It makes more sense for some professions to be high-risk/high-reward—e.g., a startup executive. But banks are innately conservative institutions—depositors need

It makes more sense for some professions to be high-risk/high-reward—e.g., a startup executive. But banks are innately conservative institutions—depositors need to be able to get their money on demand, so it makes more sense to take measures that make banking professionals more conservative.