Sectors mentioned may not be so ethical
pharma : some drugs are habit forming. proper due diligence not done before launches. bribing doctors for prescribing, etc
lending : unethical in many religions
credit rating : its like abhimanyu's chakravyu. i have had a company rated from x , and when i wanted to move to y which was quoting much lower, the process is very very painful
so on and so forth.
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