Put fear of prison into the people at the top and they'll find a way to prevent this, or subprimes, or—hell—Enron from ever happening again. The buck has to stop somewhere[1]

[1] interestingly, this is apparently a misuse of the phrase as Truman used it. But popular usage, etc. http://nymag.com/daily/intelligencer/2012/10/buck-stops-here...