It looks like in the last Harry Potter movie they have made Harry Potter a stereotypical London commuter. The first time we meet the young chap this time, he is in a cafe at the station.
This explains everything, the 2009 downturn and the credit crunch. I bet he worked for RBS or Lehman in the City as an analysis for a nice £1m (in the meantime he did 100bn on "funny magical" transactions). Then in 2007 he broke his magic wand and since then instead of proper analytical magician job he just made all numbers up. Then he tried this spell which instead of sending him to his millionaire's mansion in Hogwarts took him to No 11.
This is what it is instead of proper magician like Malfoy we have at number 11 a Muggle with no wand at all.
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