Whenever a crime occurs in your town, do the cops arrest and file charges against all the residents in order to catch the perpetrators? Do you have to appear in court for each case and prove your innocence? Living in the local area, you're a potential suspect. Using your logic here, the cops ought to charge you and everyone else in town when there's a crime.
Think real hard why they don't this.
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"We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful."
-- Warren Buffett