This book was so dry and dull and the narration didn't help. It started promisingly, but it ended up becoming a long detailed list of a bunch of stats and case description. It was also far too repetitive and felt like it could have been a snappier 'longread' article. It wins points for how informative it is though. Very US-centric, so not sure how it is in the UK, but I wouldn't be surprised if the practices and malformed structures and incentives are very similar everywhere.