I am skeptical that developers who implement a non-compliant solution that gets a company in trouble get off scot-free.

If the company you work for actually had such a no-fault culture, I doubt you'd be criticizing programmers so aggressively for being sticklers, but would instead be trying to understand and account for the systemic factors (including human factors) behind their behavior.

>I am skeptical that developers who implement a non-compliant solution that gets a company in trouble get off scot-free.

I don't see why developers should be in trouble. Developers don't make unilateral decisions on non-trivial compliance matters. A finding of non-compliance at a financial institution would typically be the result of an investigation, a disagreement with the regulator or a court ruling. It would come years after the organisation as a whole decided to adopt the interpretation in question.