Paul, thank you for the thoughtful reflections and advice.  It is so needed.

The mention of greed reminds me of this recent NY Times article about wealth addiction. (http://www.nytimes.com/2014/01/19/opinion/sunday/for-the-love-of-money.html)

"Wealth addiction" - what a concept.  It is fascinating to read the author's thoughts and experience about how this happens and the difficulty breaking free of it.  I think this drives a lot of "falls from grace" and unfortunately impacts so many others.

I hope articles like yours continue to wake us up.