Babbu & Scam had "Fidel" on, one of Babbu's old college friends and a admitted capitalist/auditor of the corporations.

He explains the plot of the Big Short, how New Jersey is a great place to live but you're nickel and dimed for everything, his latin heritage/growing up then and now, and how Scam could never move there because of a fear of crowds.

Capitalism is hard. It doesn't get easier.