[dalke]

We are in a world where being bad at your job can send you to jail, for criminal negligence.

Are you arguing that you want to get rid of all of those criminal laws, leaving only civil laws?

Bear in mind that Wells Fargo's agreement requires arbitration and prevents class action suits (http://www.reuters.com/article/wells-fargo-accounts-arbitrat... ), leaving very little external check on systemic failures due to high-level negligence.