and reap the rewards

Hmm. To chart the risk for individuals a bit better, maybe that "hardwork" ought to be replaced by "shlep-blindness"

https://news.ycombinator.com/item?id=3465521

(From top comment)

one persons schlepp is another mans passion.

You'd have to make deals with banks.

E.g. one can argue that Russia is full of passions (but not banks)