[marketforlemmas]

> WF lost money on this

This ignores the fact that Wells Fargo is a publicly traded company and has an incentive to make their numbers look good for their shareholders.

... And to be clear, your assertion is that thousands of employees across different branches all independently decided to commit fraud and risk their jobs all for an additional 450 per pay check? That is your alternative explanation?

[yummyfajitas]

On the contrary, I think they committed fraud to keep their jobs. The $450 is a break-even number; if not getting fired resulted in the employees getting an extra $450 in pay, then WF lost money.