> Then make the fines 50x more costly. Put them out of business. If it were only so simple! But crime always finds a way. Harsher penalties, three strike laws

> Then make the fines 50x more costly. Put them out of business. If it were only so simple! But crime always finds a way. Harsher penalties, three strike laws, and stop-and-frisk haven't stopped street-level crime, why should the white-collar equivalent do anything to stop finance opportunists from committing their crimes? Also, it costs money to enforce. HSBC probably has an entire floor of well-compensated slimy lawyers ready to fight off enforcement. Ever since the Panama papers story broke (https://en.wikipedia.org/wiki/Panama_Papers https://en.wikipedia.org/wiki/Panama_Papers), it has seemed to me that the good-guys are profoundly out-matched when it comes to power and money.