It's a fair point, but this $28b is not for one person. There are probably hundreds of thousands of people working at Capital One. All of the profit is spread o

It's a fair point, but this $28b is not for one person. There are probably hundreds of thousands of people working at Capital One. All of the profit is spread out amoungst them. (Not evenly, of course). Many of them are making a pretty average salary. So yes, for them it's just making a living.