General Discussion Topics, page-92094

The scruples of most in the banking and finance world are definitely in full decay - many of their actions can be, and have been classed as highly illegal.
Fines are almost an every other day event in the US - so much in fact that they are classified as being just another expense in doing business.

From 2020 /2022.
Goldman Sachs agreed to pay more than $2.9 billion to regulators to resolve probes into its central role in an international scandal. The bank's parent company entered a deferred prosecution agreement with the U.S. Justice Department that should allow it to avoid having to exit certain business operations.

So in summing-up: It's probably best to disregard 75% of what you read from these bankers, the lords of the financial underworld - then severely scrutinise the other 25%.