I think one of the largest problems is the people, most of us aren't informed, don't care to be informed even when information is available, then even if we are informed of major crimes our apathy and lack of empathy prevent any real outrage.

Unless it affects us we don't care if they charged dead people, or funded drug runners and terrorists and the banks no we are lazy and that chances are we won't take the time to leave them even if we think they did wrong.

It also get suspicious when you realize that Australia's big four banks are near majority-owned by another big 4 43-48% of each of our big 4 is owned by hsbc, national nominies, citigroup, and bloody JP morgan

I think of it like when big car companies make product recalls, for example, they don't do it when they know that their product is unsafe and killing people they only do it when the potential costs of legal action exceed sales value, the banks will continue bad behavior as long as the value is greater than the cost and until we can jail bankers there is no real cost.