The problem is not culture, the problem is criminality. When banks sold MBS and CDOs with AAA ratings claiming they were solid investments which they knew were

The problem is not culture, the problem is criminality. When banks sold MBS and CDOs with AAA ratings claiming they were solid investments which they knew were not and in some cases they were shorting them, that was fraud. When rating agencies, governments, central banks and regulatory authorities helped them, that was conspiracy to defraud. When LEOs looked the other way that was conspiracy too. The whole system is rotten, there can be no reset without removing all these criminals from our societies, unfortunately historically this only happens when the victims of the crimes become angry enough to remove the criminals from power by force of arms or the system collapses in on itself like the USSR, neither of which is a good solution.