This is the thing. There needs to be personal responsability, not just some diffuse (and weak-ass) fine. As it stands the literal worst thing that can happen is the CEO gets fired with a multimillion dollar severance. Is this a joke?

Just look at 2008. I'm convinced many things started to go downhill hard when the worst global financial meltdown since the 1930s went down with not one single person going to jail.

Only the big fishes. Small retail investors and small home owners could not pay their loan anymore, got evicted and some eventually got jailed.