AMEN!
I only worked in banking for ten years, but I can attest to the regulations and strict guidelines.
The problem was not the bankers, but the folks that wrote the regulations.
Suppose that this was a football game. Supposed the adjusted the rules to allow defensive backs to use a 2x4 to hit the receiver running downfield. 99% of the backs would not use the lumber. But we all know that there would be one team that issued really nice, oak 2x4s. Something that would really do the job.
Before long, everyone would be using the 2x4s because they wanted to win.
Yes, it is horrible to hit a receiver with a 2x4, but its in the rules. So they are just playing by the rules. Are you blaming the defensive back? Are you blaming the coaches? Or the owners?
Or do you blame the guys that changed the rules?