re. Where were the safeguards in the bank?
you pay peanuts, you get monkeys. And I say that as, in the past, I was one such monkey (although in a different industry). Basically, sooner or later, most people in any shitty / unstable / underpaid / overstressed job, gets to realize their employer is not their friend, and they either leave, or switch into the 'fuckyoutoo' mode.