God told me the Stock-Exchange was a perpetual covenant for Mankind. When managed & administrated appropriately, we can systematically profit.

 That's why we want a Financial-System. Because the money comes from the Individual, outright, or it comes from personal investment. The Financial-System is how you create money. There is no true way to create wealth without a Financial-System. The Financial-System creates wealth by willing participation.

There's wisdom in it these days, is that Ajay doesn't have to pay the tax that would have to paid, because he isn't as economically savvy. Ajay can escape taxation, indefinitely, from his doomed existence of not understanding finances or economics. God promotes this system of mercy. Than have Derek take his 5-year savings of 200k & invest it, & it'll account more than for the tax of what Ajay could ever pay.

Because Ajay wastes money.