This theory is crazy enough because it assumes the banks have some type of soul that knows what happened was wrong and must be corrected. Wall St. is playing for time. They are trying to run out the clock on the statute of limitations. Bank fraud now has a 10 year statute. If their crimes happened in the run up to the collapse and the actual collapse of '08 at the latest, that would put the statute clock at almost halfway. I do not think they'll get that far, as the system will change before that clock runs out. When the clock runs out for someone, they will step forward to rein in the banks. I hope.
*Side note: ehow is actually decent when you go on a caffeine fueled tangent. I went from bank fraud, to mail fraud, to check kiting, to credit card fraud, to reporting all of those crimes, to how to litigate ID theft. Thank you ehow.