This thought has been nagging me for a while now. Everytime a new business opportunity is introduced, there's always a question of whether they have a product or not. If a legitimate product cannot be established, it gets labelled as a scam/pyramid/ponzi. My question is:- 1. What product do the banks sell through their loans departments? 2. What are the stock exchanges selling? 3. And what about FOREX? I am not one for conspiracy theories - but somehow to me it does seem to depend on who runs the pyramid scheme. Correct me if I'm wrong guys.