Take a hollow toothbrush. Fill it with toothpaste. Then take a hollow shaving razor. Fill it with shaving foam. Now glue the toothbrush to the razor. For kicks, lets also glue a fork, a knife and a spoon to this appartus.
Now I claim you can brush your teeth, shave, eat your breakfast, butter your bread, drink your soup - all with this one appartus.
So then why do we have a separate toothbrush, razor, spooon, fork etc ? Is it because we want to ensure the employment of spoonmakers worldwide ?
Without CP, MBS, CDOs honestly there is no way you can run a modern industrial economy. You can glue them up into one savings account, but it would be as unwieldy as your toothbrush-cum-razor-cum-fork.
most of this financial gobbledegook in a previous life...