Part of the issue you're highlighting has to do with banks being able to engage in risky behavior - the traders that argued, after the collapse of, say, AIG, ar

Part of the issue you're highlighting has to do with banks being able to engage in risky behavior - the traders that argued, after the collapse of, say, AIG, argued that they still deserved their bonuses. End the mixing of risky and non-risky behavior and you put most of that problem to bed. Banks moving offshore isn't really realistic - you can't avoid, at the moment, having America as part of your bank - too much of a market. So even if, like UBS, the bank isn't in the US, it doesn't mean that they wouldn't be subject to regulation.