He is not talking about money. Nearly everyone knows that the stock will go down to zero. He says what many of us all know. Most people have a conscious. It can be strong, or weak. If a person does not have a conscious, he has no direction to be good or bad. He thinks that anything he does is good--for him. With this in mind, Jimmy would feel awful that he damaged many thousand people. With your statement denying that Mr. Chan did not have a conscious seems ridiculous.
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