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I'll add an unsolicited neutral third party voice in here.

Bad settings make good people do bad things.

Crypto made her and sbf make many small dumb decisions which added up to a huge dumb decision.

SBF between his own prior arbitrage wealth and his family's wealth was set for life as for as necessities. He could move to a single family home in Iowa, find a nice wife, raise kids, send them all to college and generally enjoy barbeques and reading books for the rest of his days if he liked. Without working further, or working for free for charities to create their crypto plugin to donate to feed the homeless or whatever genuinely altruistic goal.

He had the best setting imaginable but still managed to do bad things. Crypto "made" him do do bad things in the same way a deer gun makes one guy point it at a store clerk while others are just using it to feed his family some venison or wild hog.

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