On one side of the transaction you see cost of business in these fines, on the other side I see governments deliberately sizing the "fines" so these businesses

On one side of the transaction you see cost of business in these fines, on the other side I see governments deliberately sizing the "fines" so these businesses can keep hurting citizens year after year, and the same governments bailing out the same banks when they compeltely mess up the global economy with their unlimited greed (see the 2008 crisis, and the upcoming debt crise*s*). At some point these are not fines, they just represent the governments' way of taking their share on the criminal revenues of these banks while they are guiding us straight into the next iceberg. And there is no incentive on either side to make it stop. When it comes to solutions, I'm reading that the system has to burn to the ground or worse even on HN now... I'm personally of the mind that systems can only change when incentives exist in alternatives. As much as HN dislikes crypto, Bitcoin is one which has taken a principled approach from the start and its community and incentives always presented it as a way to opt-out of the current financial system backed by central-banks/governments (powered by traditional banking). If banks stop being provided with ways to infinitely create debt with politicians behind them promoting it to be able to pretend that everything is fine economically under them, you might see things change... but for this we can't continue playing their game by their rules. We need to opt-out. If other radical and non-violent ways to solve this exists I am willing to listen and study them... crisis after crisis, I'm becoming more and more cynical about it.