The Finance Industry
Banks and lending institutions represent the financial interests of shareholders. Further to this the finance industry is predominantly commission based, creating incentives for increasing debt levels. There are many examples of creative presentations and hard sell techniques, leading to poor financial structures, unnecessary refinancing and additional costs for consumers.

Lack of Information
When it comes to financial decisions, it is the information you don't have that often has the biggest impact. This is relevant to many areas of finance and investing. Given the industry is commission based, you will often hear many reason why to do something, but upfront information, effective contingency planning and cost analysis is often limited.