If you look closely you'll notice that you have answered your own questions. Based on what you have said, I think you know the differences you are asking me to show you.
"At what point?" You ask; When all the risk is laid upon someone (s) else and all the rewards are reaped by those with no or minimal risks? Some would define that as SCAMMING or at least…cheating, certainly not working….although I do believe scammers and con-artists work very hard to get what's not theirs.
Basically I can boil it down to this; There are some (a small handful of self-entiteled and 'truly' wealthy) among us who when they MAKE money (WEALTH), its 'all' theirs, regardless of where or how it came from or about or who it was 'stolen' from. BUT; When they loose money?……... Well, that's someone else's money (yours, mine, ours).
It amazes me that this openly played con game isn't more recognized by more people. Its not like its hidden or even illegal, it doesn't have to be….because those in charge make all the rules…that they derive income and WEALTH from.
Therein lies our delima; We should perhaps focus less on the illegalities of our system and more on what is legal….and why….and who it really benefits….
This is "one" example of how the game is rigged in their favor, but don't blame me for it, I've been trying to change our economic system for over forty years! The resistance is huge, and it permeates with implanted, purposeful confusion, distorting the facts and is very, very powerful………….
Think about it; They've made us believe we are FREE! No easy feat IMO.