This sounds like an easy way to make sure nobody wants to be an executive of a major bank. Why would anyone want to take charge of an organization where the act

This sounds like an easy way to make sure nobody wants to be an executive of a major bank. Why would anyone want to take charge of an organization where the actions of any one of hundreds, thousands, hundreds of thousands of employees can get them thrown in jail? Do you have the ability to monitor that? Or anyone you know? Would you bet your freedom on it? Do you want bank executives to be the sort of people who play the odds on going to jail vs. getting money? The smartest people in the world have trouble getting your friend feed to display ads you want to see. The smartest people in the world cannot get their 1ms trades--to use your example--to succeed more than 50+epsilon percent of the time. They don't have this genius power to monitor all fraud that you think they should have. And before you argue that banks don't even try to set up monitoring systems, they actually do. Every major bank now is into big data and machine learning precisely to stop employees and customers from breaking the law. (They are hiring, by the way.) This is in response to Congressional and popular pressure. In summary, I cannot think of a single significant way in which you understand what you're talking about.