Power and greed. The fact that top and middle management is pressured into making a profit or specific margin no matter what, trickles down to every aspect of our daily economic lives and goes beyond the Banking industry. And the poor ****** that have to do the dirty work so they can have and keep the american dream alive for themselves are US, Joe American.The difference is the banking industry is so huge that it effects everything.The next time you buy a steak at a store or some chicken, think about what went on before it was put on the shelf, what short cuts or ways to save or make more money were put into play. This goes for something as simple as a common nail. The last time I bought a box of nails(major box store) they were all bent slightly so if you hit hard wood they would bend. Its nothing new, its been coming for a while, its just that it has grown to our financial institutions which is what keeps the wheel turning. Power and Greed.