The following article provides some ugly detail of how arrogant and entitled the banks have believed themselves to be:
http://m.rollingstone.com/politics/blogs/taibblog/chase-isnt-the-only-bank-in-trouble-20131105
The lawlessness is so widespread, the only real fix is to reset the entire economic system. Let me see, who do you know that is big enough to do that? Yep, Our Heavenly Father!