At the expense of customers

How can you identify a business that is being operated "at the expense of the customer"?

These businesses make big profits as follows:
* overcharge the customers
* mislead the customer into buying a bad product
* pays high commission to sales people to sell the products

The features of these products are:
* complicated
* lack of transparency
* speculative

Examples of these types of bad products are:
* time sharing
* land banking
* high cost insurance and structured products

These businesses are able to design products that are not suitable for customers, make them complicated, train marketeers to push the products and pocket big profits.

Lesson: Avoid these products that are developed to "rip off" the customers.