"[T]he theory behind ESOPs makes one assumption that is often overlooked ... [which] is that, given the opportunity, all employees would like to be (part) owners of the firm they work for.... Why might a person not want to be an owner? Perhaps the most obvious reason is that ownership comes with responsibilities as well as rights.... Another reason is that an employee ... might feel that he or she lacks the training, experience, or expertise necessary to be an effective owner ... Finally, group ownership may not seem like 'real' ownership, since it generally doesn't include individual control over decision-making."