Derivative

n. highly addictive complex narcotic, which often results in ego inflation, loss of reality, and hoarding syndrome; grown worldwide, but most prevalent in Manhattan, London, Zurich, Beijing and Hong Kong.

As in:

A home builder and a mortgage banker were chatting in the waiting room at the Chicken Ranch in Nevada. The home builder seemed exceptionally morose for the circumstances and the banker asked him why.
"Can't sell all the freakin' houses I'm building."
"You could lower prices," the banker said.
"What? And give up the Ferrari? There's got to be a way we can get more people into houses."
"How about a derivative?"
"What's a freakin' derivative."
"It's kind of a money game. We invent a loan that everybody can afford, even if we know up front that the suckers can never pay it off. Then we pass it around in a circle, each of us taking a chunk of money in fees (added to the loan) when it comes by."
"Won't somebody get stuck with a crap loan at some point?"
"Sure," the banker said. "That's why it's a derivative. Everybody in the game derives money from it, up to the point where somebody gets screwed."
The builder still looked a little puzzled, then his eyes brightened. "But I get mine UP FRONT. Cool!"
"Yeah," the banker said. "Cool."