[grecy]

> Look at this way: A bank is fined $x for doing an action which generated $y. If x < y, there is no incentive to stop any behavior.

Not only is there no incentive to stop, that's actually incentive to keep doing it, faster and on a bigger scale!

If you told me I'd get fined $10k for doing something that resulted in $15k of "earnings" (and no other penalty), I'd start a business and start hiring as many people as possible to do exactly that activity, profiting $5k every time.