Following Mark Twain's infamous quip (in a different context), if I were just numb, I'd just let this pass:
“Unfair and deceptive acts and practices hurt not just borrowers and their families,” said Ben S. Bernanke, chairman of the Federal Reserve, “but entire communities, and, indeed, the economy as a whole.” - NYT, Fed Approves Plan to Curbe Risky Lending
Doesn't that sound like a lay description of criminal activity?
If an organized "mob" had roughed-up a bunch of people, would we simply take steps to insure that it doesn't happen again, or would we also look for those responsible and put them in jail?