She is the outcome of the caucus of the RBA governor, commercial banks, the media, and out of all, the government functionaries, all hand in gloves, to cheat the public almost forcing some amongst them to take a risk and look for better returns avenues of deploying their savings or even retirement funds. Without the above-cited institutions who must have been aware all along of all the scams building up and RBA governor out of all who can easily be termed as "insider" equivalent of Insiders in share market and at stake were money invested in housing which offered huge potential for making easy money and guilty are all of the parties listed above. Was there an inquiry but the problem is that who will do that when all those who could potentially do that are all parties to this fraud. That is what and how investors are ripped of their money and forced to look for better investment (as think so)opportunities and some obviously are always there to make use of it and con the innocent people to rip off their money leaving no trace. Charge and catch them before they are of the hook.