The financial crisis also wasn't very "unwitting." The banks knew that placing first large benefits to selling more loans, and then making it a requirement to

The financial crisis also wasn't very "unwitting." The banks knew that placing first large benefits to selling more loans, and then making it a requirement to remain employed would lead their employees to issue bad loans. They knew that loaning out 30x their capital was dangerous. They knew that when they reclassified garbage-class debt as AAA that they were lying through their teeth and were essentially guaranteeing a crash. But they also knew that they wouldn't bear the consequences for it. And they were right. The system in place makes it ideal optimal behavior to provoke such crashes for those involved in the financial services industry. It resulted in them receiving $1+ trillion, with nearly no change in regulation. When they want another trillion, they know they can count on getting it.