I concerned that you're jumping to prosecuting employees for the systemic failure of a company to operate well. Without being privvy to the company's internal

I concerned that you're jumping to prosecuting employees for the systemic failure of a company to operate well. Without being privvy to the company's internal state, how could you possibly differentiate between management problems and deliberate staff malfeasance? I you have ONE incompetent or crooked employee, then sure, the employee is the problem... But if you have 900 incompetent/crooked employees, I think it's much more likely that you have a management problem. If all those employees were truly so awful, why did Garg wait til the mortgage market started cooling off to fire them? Or could it be that the company has been poorly managed for quite a while, but it's more emotionally convenient to the CEO's ego to blame the workers rather than address his own shortcomings?