The greed factor has kicked in a long time ago, but it has made many very wealthy, except for the hard working stiffs, who believed in the system. Big name banks have displayed their greed. Take for example HSBC who where fined in the area of 1.9 billion dollars for supporting Mexican drug cartel money as in laundering their profits. They are still in business, bet you they made more then they had to pay as a penalty. Slap on the wrist.