A lot of nonprofits asked you for donations on Giving Tuesday. But simply moving your money might be more effective.

In his 1854 book “Hard Times,” the great British novelist satirized the utilitarian underpinnings of the Effective Altruist movement.

The overarching lesson of Sam Bankman-Fried’s downfall is that the gauzy philosophical natterings of CEOs are just meant to distract us from their real goal: accumulating cash without interference.