Bailouts are generally far between. The problem that enables your point /A is that the only thing that happens is that banks are fined in settlements. Since the

Bailouts are generally far between. The problem that enables your point /A is that the only thing that happens is that banks are fined in settlements. Since they keep doing these things, it must still be profitable, so the fines must just be license fees to act as they want. As such, the regulators profit from the fines; it's probably how the regulators' lawyers can afford to be paid, and they're probably mindful of that.