ne'er-do-wells

It would be a tad embarrassing if Henry, age 11, and Hannah, 15, grew up to be financial ne'er -do-wells.

如果11岁的亨利和15岁的汉纳长大后对理财一窍不通，那多少是有些让我尴尬的。

It is also one of the most profitable times of year for cyber criminals and other ne'er-do-wells.

它同样也是网络犯罪和其它游手好闲的搞法在一年中最有利润的一个时段。

What do the citizens of America and the world really want from these financial ne'er do wells?

那么，美国和全球的投资者们究竟希望从这些从不干好事的金融菁英们身上得到些什么呢？