Regarding this part of your statement: there is no financial incentive to act responsibly because if you go bankrupt this year last year's bonus is already ban

Regarding this part of your statement: there is no financial incentive to act responsibly because if you go bankrupt this year last year's bonus is already banked; it should be noted that many bankers are terrible at saving; they simply scale up their spending rather than building a cushion for themselves. A large fraction of last year's bonus may already be gone or spoken for.