But the tax-paying public – innocent of any wrongdoing – has also had to bear costs, both direct and indirect. And, while a handful of “rogue traders” (and, most recently, one Libor manipulator) have ended up in prison, it would be overly optimistic to conclude that the punishment has been sufficient to transform bank culture.
诚然，银行部门正在为其不当行为付出严重代价：罚款、诉讼和监管收紧目前已经让各银行拿出了大约3,000亿美元。但纳税人——他们没有做错任何事——也必须承担成本，不管是直接成本还是间接成本。此外，尽管一小撮“流氓交易员”（最新的例子是LIBOR操纵者）已经身陷囹圄，但认为惩罚已足以改变银行文化还是过于乐观了。