in discussing the "Ages of Greed" especially as it relates to banking, Visser states: "I do not believe that the global financial crisis can be adequately explained by 'bad apples' (as the media liked to characterize these now-disgraced captains of industry)... we can point to a number of poor US policy decisions that were to have disastrous consequences". why is it sometimes easier to blame problems on "a few bad apples" than to look at problems systematically?