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Over a million middle-class Americans bought in -- but their investments were made worthless by the Great Depression. Overnight, Insull went from a hero on the cover of Time magazine to the villain who had stolen the people's money. In 1932, he owed $16 million dollars more than his worth -- "too broke to be bankrupt," according to one banker. Charged with fraud, Insull was tried in 1934 and acquitted of the charges. But his reputation was destroyed, and he and his wife, Gladys, left the country for good. Four years later, the man who brought the American masses a new source of energy and changed the way they lived and worked would die of a heart attack in the Paris subway. By contrast, some regions of the U.S. don’t have competitive power markets, and instead have power generated entirely by utilities, which is sold to customers at rates regulated by state officials. Even in regulated markets, changes are afoot. 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