[AndrewKemendo]

The fact that they wrote it as profit rather than revenue tells me that the people drafting it were either on the Banker's doll such that it is just window dressing, or the legislators are criminally inept.

The incentives to give back don't exist unless you take a chunk of the money before it can be put back into their own pockets. Not that I think this should be done this way, but it's silly to think they are going to be able to recover significant profits from these banks.