It is certainly not impossible to place blame on indivudals. After the savings and loan crisis, hundreds of execs were rightly blamed, indicted, convicted, and

It is certainly not impossible to place blame on indivudals. After the savings and loan crisis, hundreds of execs were rightly blamed, indicted, convicted, and went to prison. This time around, the criminals have bought off the watchdogs - nobody went to prison. Instead they get off with a fine and no admission of wrongdoing, and they live to do it again another day.