> "Even if every person working for Citigroup had been basically moral (in the sense that they wouldn't have committed fraud alone) this still could have happen

> "Even if every person working for Citigroup had been basically moral (in the sense that they wouldn't have committed fraud alone) this still could have happened, and probably would have." When you consider the compensation and review structure at financial institutions, it was absolutely inevitable. Those who didn't participate, even in the tiny slice that was their domain, would have been pushed aside or replaced in favor of someone who would. Big Business simply doesn't allow for under-performance. Even on legal/moral grounds. Those are long-term concerns in a world that measures only short-term performance.