But this is never going to happen so let's reduce it for bankers. With these sums they incentivize people to participate in shady stuff and then cash out by jumping ship on time.

Without these sums they incentivize people to participate in shady stuff and never jump ship. You'd prefer that?

I'd prefer them to get arrested like the rest of us when we do shady stuff.

I'd prefer to make conspiracies untenable than to strengthen them by penalizing those who betray the conspiracy.

Then again, I also think we should offer Kim Jong Un a nice vacation home on St. Helena.

Considering that St. Helena was a pretty miserable place back then I tend to agree.