That's the converse of my argument. I'm saying that things that don't fly at small scale, don't become good ideas at large scale. Constantly calling the credit card company and asking for a credit raise instead of paying the bill, printing more money to pay the bill, and encouraging not saving for a rainy day by keeping interest rates low are all things that are terrible ideas for the individual so why is it good for 100 individuals grouped together? Actually, the answer is obvious: statistics are easier to manipulate with groups.