It is immature to attribute financial cost to everything. What you say is social trust and cohesion is what accountants call goodwill, the value above the net worth of a corporation or something operating that is uncountable.

Prioritizing social trust and cohesion through omitting or ignoring by misdeeds of institutions or individuals that are too big to fail seems like extra effort to achieve nothing. It isn't real trust and cohesion, it is deception and coercion.