WANT a free iPad?” taunted the sign in a newspaper, promptly drawing the attention of M. Taufiq. “This bank ad is crazy,” he said. His eyes shone with greed. The iPad computer made by Apple, was what he had wanted for a long time. He immediately snatched up his cellphone to contact the bank.

After some minutes on the phone, his enthusiasm ebbed. “There catch was that I had to deposit a certain amount of money for 10 years,” he said, h