Are All Financial Institutions Lawless?

Bad underwriting means record profits because if you make "a mistake" the government will bail you  and your bad underwriting out. Not only to big to fail but to big to jail. Those who were guilty are still in power so more than likely it will repeat all over again=another crisis! Use the people as a excuse for the banks. Any reform is window dressing. Political survival takes money. Disaster IS CERTAIN ! Fraud past, fraud present, fraud future.