The FM radio "oldies station" blares ads for weight loss products, hormones, and the latest gag, some sort of get-rich-quick scheme to sell an online payment system. Hey, should be able to make a lot of money at that - after all, only you and a million other listeners know about it, right?
But a funny thing. At a party, some blowhard will go on for hours about dark conspiracy theories that the government is up to. But if I try to discuss how shitty credit card offers are, people roll their eyes. Why is this? Well, they really can't do anything about the dark government conspiracies - it is part and parcel of learned helplessness. But their personal credit card problems - and these sort of folks all have credit card problems - is something that can do something about, but choose not to (because it involves sacrifice and hard work). Better to shout down these thoughts with more interesting (and unsolvable) conspiracy theories.
The reality is, it is just human nature. It is part and parcel of our urge to externalize our problems - to believe that others are behind nefarious plots to rob our bank accounts. We never want to look internally and see what it is we are doing wrong.
Our skepticism is misdirected.