Yes - as the other comment reply said too. You're both right, of course. It's civil not criminal. I suppose I was making a broader point about the crisis in

Yes - as the other comment reply said too. You're both right, of course. It's civil not criminal. I suppose I was making a broader point about the crisis in general and its aftermath. The fact that all of the shenanigans, fraud and outright illegality that led to the financial crisis and its life-ruining effects on millions of Americans, resulted in more wealth for the perpetrators and no significan punishments or disincentives for future bad behavior is a very troubling thing.