Hours spent on questioning about why and how and "remorse"...

Who gives a shit?

Banks will continue to succeed and fail just as children will continue to die and famines will follow fires or snow or tsunami - lessons will never be learned - the only certain thing is that, thank heavens, sometimes brilliant individuals will avoid tragedy by their actions (the Hudson river incident) and you cannot legislate for that.

Lessons are never learned.

Just don't waste time, energy and expense on pretending - it avoids doing something to boost the future.