I grew up in an era where there were only a handful of logical explanations for getting up in the middle of the night. We did not wake up to go shopping. Anywhere. For anything. Ever.
There are two kinds of fear, and they're easy enough to tell apart. The real kind of fear is the fear that keeps you safe. The false fear is what the doomsayers use to attract members and money.
In the case of Bernard Madoff, the financial bottom line became the exclusive demarcation between genius and unlawful and immoral acts.