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This won’t be fixed until bank executives are jailed. Otherwise they make more money than they are fined, so what is the incentive to stop?

or the fines are actually levied against the offending parties and leadership as opposed to sticking it to the shareholders

I work at a bank. I could send some bullshit MNPI to a coworker via whatsapp and get my boss fired?

Sweet!

Burden of proof should (and often does) require:

Intent,

pattern of doing business this way.

"work at a bank" != "banking executives"

"some bullshit MNPI to a coworker" != billion-dollar collusion/schemes

"fired" != "jailed"

I'm afraid I'll never understand this class of refutation that categorically misunderstands every component of a sentence.