Re: how they trap you...
" ... interest rate stuff ...."
With banks paying less than a tenth of a basis point ..... tell him to just bury it in his backyard.
That way, if pedojoe ever gets a Miss Trudy (justine trudeau) policy goin' for him ..... He won't have to worry about the gummint freezing his account(s) if he says something that hurts pedojoe's feelings.