When you think of Ponzi schemes, fraudsters like Bernie Madoff come to mind. However,
Ponzi schemes are not always the result of a few crooks; they can also be a common practice used by society to create a short term economic growth spurt.
The FBI's 2010 "Year in Review" mortgage fraud report says the agency has used wiretaps, undercover operatives and "tactical analysis coupled with advanced statistical correlations and computer technologies." Not everyone is impressed.