"I do not criticize any one individual for no single person. Never is there ever just one person or firm that is the cause and effect. Government will always prefer to prosecute someone and say that will solve the problem. This is simply propaganda. The present over $200 billion in fines on the banks will only undermining the banking system and hurt society. They have already rendering small banking in Switzerland bankrupt. The value of small banks have fallen to zero because the liability from fines for past accounts is undefinable with no set fines for any perceived violation that was never a law to start with decades ago. What good do such fines do other than lining the pockets of governments? Agencies are using these fines to justify staff. If government were really to care about society, regulate the issue definitively and restore Glass-Steagall. Instead, they let the banks do as they like and then hold out their hand pretending it is a fine instead of just a bribe. Government does not really outlaw the conduct or they would restructure them to prevent anything unfolding again."