These accounts weren't created to make money for Wells Fargo, that's just a by-product of the mechanism used for this fraud. The fake accounts were used to mak

These accounts weren't created to make money for Wells Fargo, that's just a by-product of the mechanism used for this fraud. The fake accounts were used to make money for managers and executives at Wells Fargo by convincing shareholders, regulators and the company itself that performance was better than in reality. The victims of this type of fraud are not just the directly impacted consumers, whose damages are not just measured in unwanted fees but also in their damaged credit histories. The bank itself is also a victim -- which means unrelated customers who store their money, stock market investors, and the general public who may have some relationship with Wells Fargo through multiple degrees of separation. Just looking at the bank's misappropriated profits hardly tells the whole story of systemic and pervasive fraud.