Garza looked like he tried to be a good CEO, too. He was pissed when he got word of customer service fails in his company. He educated his executives. He had something called a business plan.
Impossible.
He was pissed at early customer service fails because his business plan was to build up some good will to sucker people into a Ponzi scheme.
This makes sense to me--the con runs smoother the more legitimate a business appears. That said, Homero did a phenomenal job finding just the right suckers. They've tagged along longer than I ever imagine any person would.