"I eventually get in a position where I have to make threats of disclosure or nothing will get done." If they want you to pen test their systems they will hire

"I eventually get in a position where I have to make threats of disclosure or nothing will get done." If they want you to pen test their systems they will hire you. It's not your job. Vote with your feet and walk to a local credit union which may embrace your help (talk to them before starting your pen tests).