In free market capitalism, corporations are incentivized to cheat because they make more profit even if they get caught and pay a few fines. Worst case, they escape criminal charges by reaching a shady settlement deal, or even filing for bankruptcy. Move your money to a local credit union ASAP...

Now We Know: JPMorgan Chase Is Worse Than Enron

http://www.truth-out.org/news/item/21155-now-we-know-jpmorgan-chase-is-worse-than-enron