Once initiated, they run on auto-pilot without any effort to optimize the value received for the dollars expended.

FORBES: Icahn's Motorola Morass

In Diebold's case, like many others, his 401(k) plan appears to be contractually on the hook for any decline in the value of collateral received in exchange for the securities it lent out.

FORBES: Money & Investing

Taxes work when they remind the payers of the value being received for their money.

FORBES: Guest Post: Income Tax Alternative