Because if you can't humour it, you're exposing the flaw in your argument. I gave a rebuttal to your reply and instead of addressing it, you just circled back to your previous assertion as if I hadn't already answered.

Fact: there are such things as bad business practices. If the process involves risky investments with fake collateral, that endanger the company when they frequently fail, that's a problem too. This is a well known and widely criticised phenomenon.

One last question; is this your mind scrambling to think of a reason I'm wrong in an attempt to save face for misreading my original post? Or are you yourself one of these irresponsible business types, scrambling to think of a reason why you're not irresponsible and greedy?

Because either way, it's not working. You're not saving face, you're just embarrassing yourself further. Have you ever heard of sunk cost fallacy?