"In short, the companies are required BY LAW to strive to be profitable. And if their business model requires their clients to lose for maximum profits, that is what they are "encouraged" to do. At least, that is the modern reality of things today."

The charter "requires" by law that the company be profitable. But does the charter "require" the company take any speculative risk to do so? Not that I know of. I'd tell the company to stop taking speculative risks if it cannot do so "profitably". I wouldn't say go steal it, that's larceny and that's against the law.

Stay with the business of collecting commissions, THAT'S profitable!