[quinnchr]

The "rules" are decided by the status qou, those who are already have power and intend to maintain it. The purpose of the law is to enforce the interests of the dominant political power. Judging the banks by the laws they lobbied to enact is farcical. The flawed rules are a part of the root cause, we allow those who have the most power to decide the law of the land, and we absolutely should judge them on a moral and ethical basis as opposed to the legal basis they control.