One may claim that ripping somebody off is morally wrong, however, my question here is: what constitutes a rip-off?

Does failing to do the necessary due diligence abdicate somebody their responsibility in a voluntary exchange, thus giving him the right to be a victim? I don't think so.

To me, the worst ripoff is a system that takes a large percentage of your money at the end of each year, of which you have no voice in determining how the funds are being utilized cough tax-ationcough**

Not only is that involuntary, but you also have absolutely control over it.