I sympathize with your point about the average person trying to save and hoping to keep their money and having a pension and so on. In fact, we wrote a book on this a few months ago.
I know a bunch of you probably don't agree with this, but I see the ugly side of it every week. The prosecutions do not occur. There are very, very few situations that actually end up in court, where there's a sentence and so on. If that side of Canada is not dealing at all with these various situations, then the CRA decides not to go after penalties and so on. What do you care, as somebody who has been working these types of activities? You don't.
The pressure isn't there right across Canada. We have had so many court situations, and I've seen these people laugh. The contempt for Canadian securities regulation is extremely high, and to pretend otherwise is not being realistic.