[Shivatron]

"Bankers" is obviously a broad term, but I'd point out that just about everyone employed in the financial industry in a role where they are giving advice or soliciting/executing transactions have very strict licensing and continuing education requirements. Just look at the list of FINRA licensing exams: http://www.finra.org/industry/qualification-exams

(Of course, even licensed persons may choose to make poor choices. That said, I've taken a few of those exams, and they are no joke.)

[DavidAdams]

And the FINRA licensing exams focus almost entirely on the laws that are intended to protect consumers from bad actors. To study for those exams is to have it drilled into your head what you can and can't do. Unfortunately, much of what collapsed the US economy wasn't actually illegal, and in the case where laws were broken, the bankers were comfortable with knowingly bending the rules.