Ignoramus agrees with Nirmal Jain article 'Saradha chit fund scam: Too careful regulation breeds too many crooks'. http://articles.economictimes.indiatimes.com/2013-04-26/news/38843390_1_new-banks-equity-assets-scams
In fact boodhooram believes too many (complicated) laws and hard regulations are sustenance for most of the crooks. Law making is also job of crooked heads.
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