Well on that point we agree - I'm a huge fan of effort and discipline equalling reward, and sloth suffering the consequences of its faliure. I do feel like an ant in a world of grasshoppers - and that mutha can freeze for all I care. However with that I do believe that we have a problem with selfish behavior, and that we should allocate regulation and resources to ensure that superior efforts can and do net results rather than just deals made on the golf course.