Oh c'mon. You can hardly blame ordinary bank officials for the disgraceful behaviour of top management.
Why not? I didnt hear any of them complaining when their management were behaving this way & they were a lot closer than any of the rest of us. How many complained to the financial regulator? How many questioned their superiors? How many refused to process NINJA loans? How many got pay rises and bonuses over the years as a result of the actions of their superiors?