Question: everybody pretty much keep keeps keeps to their own turf so to speak
Everyone is friendly and interacts with everyone.

Answer: no

Question: This is different from the value of a particular, identified life saved.
It is different from a life saved.

Answer: yes

Question: Because, until recently with online trading, the whole industry I work in was predicated on the ignorance of the client.
A correlation has been found between smarter clients and the decline of my industry, but online trading is reversing that.

Answer:
it is not possible to tell