I think the problem is not "we can't find anyone who did wrong here", but "there are so many who cheated people that we wouldn't know where to start, or we'd have to arrest thousands - so we might as well do nothing about it".

Regardless of punishing those guilty or not (which I think they should be), it's absolutely criminal that virtually nothing has changed in how these companies operate, and that the "too big to fail" companies continue to remain too big to fail. The next time these banks crash - and they will crash - the taxpayers will have to bail them out in the trillions of dollars.