Good Questions!

I think the logic for creating these regulatory agencies was to be, to some extent, "self funding" so the taxpayers would not be burdened -- just the "bad" businesses.

But it is a conflict of interest for a bureaucracy to be the ones creating the regulations and awarding the fines!

The natural impetus for any bureaucracy is to get bigger and increase its power.

TBH I do not know if they keep all the money, or if any is turned back over to the Treasury, or how much of their budget comes from the taxpayers, etc.

Follow the Money, though!