So if you fine the bankers, are you going to fine the developers who failed to meet the deadline and sales projections on their projects as well? Are you going to fine Geithner for giving AIG their money so the investors behind them didn't have to take a haircut on their investments? Don't just demonize bankers, there is plenty of fault to go around. Mortgage brokers committing fraud, developers over leveraging themselves.

Do not confuse investment banks with commercial banks. Two entirely different animals.

Many banks have repaid their TARP funds, for which the US made 5%. We didn't take any TARP funds.

Some of the new regulations make sense, other regulations actually are more of a burden to the consumers than the banks.