> And indeed those workers who get paid, can save and invest that money to enhance the productivity of other workers and get a return. Generally the higher risk of losing the money, the more return you can potentially get. Some of those workers will hit the jackpot and get a great return.

> Is it morally wrong?

Not per-se, but as the denominations grow, society is structured to privatize most of the upside of that risk, while socializing the downside, but at the lower end of the scale the reverse takes hold.

In other words, even aside from the way the ratio between CEO and average employee pay has ballooned over the past fifty years, upper management gets bonuses when the company does well, labor gets downsized when the company does poorly.

Another way this plays out is that if you owe the bank a few hundred thousand dollars and the company you work for goes out of business, you have a problem. If you owe the bank a few hundred million dollars and the company you work for goes out of business, the bank has a problem.