Last year I didn't enrolled to “market and financial institutions” because requirements to enrol to that class was like to pass 12 other classes like 4 math related 4 economics related 2 finance related and 2 law's related classes so the class sounded intensive as frick and I didn't wanted such intensive class last year and picked something else.
So this year I enrolled to that class and it's basically one huge filler, there are only like 6 hours of lessons, average class has 80 hours of lessons and math related double of that so brutal and you also don't see anything new in that class. 
if you studied corporate laws then you already seen 95% of what “market and financial institutions” has to offer.
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The first 2 years of uni are just do-nothing classes that are arbitrarily there to take your money and to build the sense of sunken cost fallacy so you stay for another 2+ years to have a fancy piece of paper despite most people picking something stupid like basket weaving as a major.
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In EU is a bit different since education is free all the hard classes are on first year to reject most students by the end of the year. Like only 20% of students pass the first year. For example a class is normally 80 hours long but during first semester you'll get accounting from one of accounting law maker for 160 hours than laws that are also 160 hours long and etc so first year you have lessons from 8 till 18 5 days a week but later years you have like 3 hours a day lessons.
On first year you have like hundreds students in your class and later that drops to 30-50. Psychology starts with thousands
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