I appreciate that, but as far as incentives go, if you knew the chance you had of being caught was minimal and that even being caught and charged as criminal yo

I appreciate that, but as far as incentives go, if you knew the chance you had of being caught was minimal and that even being caught and charged as criminal you'd have walked away with good amount of change - it's not much of a deterrent. And we're I a shareholder, I'm honest enough to say I (and I suspect many others) would probably turn a blind eye to it. As to fining the banks into being rescued, totally agree that defeats the point. Think of it more as giving them a long term mortgage penalty. Say LIBOR + x basis points paid back over 20 years. :)