Absolutely true! Bankers can make short term gains by sacrificing long term growth and nobody does anything, because by the time the true costs appear, the "ol

Absolutely true! Bankers can make short term gains by sacrificing long term growth and nobody does anything, because by the time the true costs appear, the "old" bankers are already gone and there is nothing you can do here, and the "new" bankers came after and are not responsible for what their predecessors did. All of a sudden you are in a situation where no one has any accountability and long term thinking is not a viable strategy.