It really depends on how big the bank is.<p>If a bank is really big, like HSBC, it can&#x27;t&#x2F;won&#x27;t be penally prosecuted in real world, so the rational choice [1] is actually to keep committing crimes, and settle the ones where they&#x27;re caught.<p>On the scale of such bank, even fines which would be astronomical from the perspective of a normal citizen, are peanuts (so to speak) for a large bank.<p>[1] = in a logical, not moral, sense.