This is it. The most frightening theory out there. Most people can't handle it.
Are you ready?
Here it is:
There is no conspiracy. There are no secret cabals controlling the world through international banks, no UFOs beaming thoughts into our minds via telephone lines, no pink lasers from other galaxies affecting global warming.
People just do stupid shit. Repeatedly. And when people react to each other's actions, patterns will appear out of the chaos, making it appear that something was planned all along. It wasn't. No one is in control. No one, good or evil, is looking out for you (except God if you believe in him).
People are just being people. You think something is fishy in the social strata you don't belong to (upper or lower)? Statistically speaking, you'd probably do the same thing in their situation. Doesn't make it right, but that's how it is.
Be it welfare moms milking the system, or oil men getting together and setting prices it is the same underlying principles of hard coded, human behavior.
Hell, I even used to brag about how I figured out the broken credit system at the UofO, and how I was able to graduate with a BS in Fine Art without having to take Calculus. Guess what? The only person I shortchanged was myself.