If you design a system that makes it inevitable that people will misbehave, you own their misbehavior.
It's sad really. It seems to me that the whole Wells Fargo scandal is ultimately a lesson about how this company abused their employees and set them impossible tasks like "each customer should have X credit cards and Y accounts."
But that's not what people seem to have taken from it. Instead, the whole incident has been presented as "just another big bank defrauding its customers." In reality though, the goal of the fraud was not to enrich anyone, it was just for these employees to keep their jobs.
It feels like this whole incident could have spurred a conversation about the toxicity of these kind of unrealistic sales goals that provide no benefit to the customer, but it didn't.