I see where you're coming from and I know there are many more than those two.  Unfortunately we have an unlimited memory for wrong-doing.  Things like $6000 shower curtains last forever.  However the other 5 million or more people in the financial services space from bank tellers to your 401k advisor or securities lawyer would be a more accurate representation.  Equally most of the people even at Goldman.  The problems are not the people or even the .1% of bad apples, it literally boils down to an unaccountable, fractionally reserved monetary system with no oversight or checks or balances or even audits.  No business built on this foundation can ever have the chance to be regarded as credible.  The negative actions and fines against HSBC, Barclays, JP Morgan and all the others, masks the source of the actual problem, the World Reserve Currency.  Unfortunately it was designed with the best of intentions but the path to hell has been paved with those.