Because there's no way to tell who's responsible and who isn't at that level with a sufficiently small expenditure on getting that information to make it profit

Because there's no way to tell who's responsible and who isn't at that level with a sufficiently small expenditure on getting that information to make it profitable. Then maybe the loan shouldn't be getting made. If an industry can't ethically do business, maybe it shouldn't exist. If there's a serious problem that industry is solving (and there is), then maybe it's time for society to step in. Welcome to reality - sometimes it really sucks. I'd like to think that drawing attention to suckage could result in people doing something to make it suck less. We don't have to blindly accept our current reality, we can work to change it.