[BehindBlueEyes]

i'm not convinced the people whose lives are ruined by banks are in a position to retaliate.

we is in theory the government chosen by the people to give direction to society and enforce it. In practice, i think the political systems in place fail to serve that purpose unfortunately (regulations too easily manipulated by lobbying/propaganda, fake choices to vote on, largely self serving to maintain a hierarchy of exploiters vs exploitees)