They are, but at the same maybe they’ll get big enough to get small fines for big crimes like HSBC helping out the cartels.

I hate this meme. HSBC used their judgement about something for which the law said they had to use their judgement. Then their judgement turned out to be wrong and apparently that's now a crime. Foreign exchange has legitimate use cases, it's not remotely comparable to cryptocurrencies.

Turning a blind eye to money laundering especially when given chances to fix it, and given that money laundering is enabling criminal enterprise that fucks up everyones life, from a household name bank that used to be my high school bank (point is how they market themselves as a nice bank) well I don’t know what to say. Not a meme though.

It's a meme in the sense that it's propagated virally and the story has mutated as it goes. There's no evidence that HSBC were wilfully blind to anything.