Fractional reserve lending, rehypothecation, leveraged capital far in excess of requirements for business viability - banks are all gamblers but they use the money of other people to place bets. If it takes a certain morally ambiguous person to get into the industry, why wouldn't such a paradigm inevitably lead to massive organised crime? When the bankers themselves get awarded seats on the boards of the regulatory agencies (who are supposed to police them) as 'experts'.. that's one towering crime edifice.

Good insight from OP, a lot of red pills in that little block of text.