I AM RETIRING SO HERE ARE SOME PARTING SHOTS
FIRST
I posted an essay with a similar title at academia here
https://www.academia.edu/6351124/There_is_no_risk_free_rate_of_return_available
There should be a risk free investment because its absence is slowing the world's economies.
You can read more here:
http://macro-economic-design.blogspot.com
and here:
SECOND
HOW DAMAGING IS MONEY LAUNDERING LEGISLATION?