politics
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These are people who come from wealthy families and spent their whole lives paying tutors to help them cram just enough to get their degree. They had family friends working at big companies who hired them based on who they know not qualifications. They go to expensive bars and clubs together and all that matters is who you know and how wealthy and well known your family is.
That is who the trump family is, and it describes a large portion of these financial institutions. I'm citing Gary Stevenson as my source for this.