So you would have been OK with Thales monopolizing all olive presses and renting them back for 10x the cost. Good business model. As long as you survive, you're OK. That's not accountability. Even if the customers have full knowledge of the business what choice do they have but to empower the monopoly, who cares if they know they are getting bilked or not, the olives are gonna spoil.

Your doubt is unfounded, then.

Let me guess, I shouldn't doubt that fraud predates legislation by millennia, fraud and corruption in business started with government after all. Everything was fine before, when businesses were "accountable" to the customer.

You missed this part.

Care to substantiate this with why, such as why are you a creditor, especially when the debtor is all but absent and what is the significance of being a creditor as opposed to a depositor.

Obviously, there isn't a creditor debtor relationship. That article only asserted without substance that you effectively chose to convert your valuable not iou money into ious. You really believe that? Anyway, no need to explain anything obviously since you do not understand what you are saying, let alone why or why what you're saying is true or correct.