If those are your real exceptions then the people you have a problem with are all those individual people who went out and bought cars and lived on their credit cards. It's a free country. Those people were free to live any way they liked. The banker didn't force them to borrow and live foolishly.
If that's your big issue than you have a much bigger problem than the one we're talking about here. And in a free country, (or even one that's mostly free... or even partly free) your problem is not going to be solved ever, nor should it be. Freedom means the freedom to behave foolishly.
And if you want to claim that their foolishness has somehow affected your life, then you're mistaking cause and effect. The truth is, you're casting around for a demon and you're going to find one whether it's justified or not. If it isn't justified by the actual events you'll distort them or change their scale to include everything from the weather to the gold standard. You're going to "hold someone accountable" whether they were accountable or not. It's just too difficult for someone like you to face an issue without a clear villain.
OK ... fair enough. I made my point and I think you made yours but carry on if you feel the need. I'm prepared to let others decide based on the facts I've brought to the discussion.
Ding, ding ding ding. We have another winner. I was wondering how long it was going to take you to get around to calling me a socialist or a communist, or a poofy head or some other really mean and nasty things. Now my feelings are hurt.
If that is the best defense you can muster for your industry then I am moving you into the crook column too.
While you and your colleagues like to preach the virtues of free market capitalism, when the FED is allowing M3 to expand at double digit rates above inflation and GDP growth, we don't have free market capitalism. We have a banking system getting a free ride on the rest of us.