[fmajid]

The term you are looking for is "moral hazard".

They won't deliberately cause crashes, because those are not profitable, but they will deliberately make risky bets that benefit them if things go well, and get bailed out if they fail (riskier bets have more upside for the kleptocrats looking out for Number One).

Given the odds, crashes are nearly inevitable. This is undistinguishable from deliberate crashes.

The policies enacted after the 2008 crisis have actually made the banking sector even more concentrated and increased the likelihood of another such crash caused by moral hazard in the Too Big to Fail financial institutions. The procedures to fight against that, like "living wills", will likely have the same effectiveness as bulletproof vests made of wet toilet paper.