It sounds like you had a bad experience at a single team in a single bank and are trying to extrapolate those experience to a sector that employs hundreds of th

It sounds like you had a bad experience at a single team in a single bank and are trying to extrapolate those experience to a sector that employs hundreds of thousands of developers. Yes, there are plenty of shitty programmers at investment bank, there are also lots of top-tier ones. And yes how much money your code makes is more important than how well factored it is. It doesn't matter if your code is the most beautiful code in the world if it doesn't work, shitty code that gets the job done is better. Regardless of whether you're working in finance or on a web app.