The list of the guilty is so long I wouldn't even know where to start.
It starts and ends with the people that have voted for the current system and policies.
The innocent people are depositors in banks that were purportedly government insured
No, the insured part below 100K is actually untouched AFAIK
and ordinary people around the world whose governments are taking on massive debt and adopting greater and greater austerity measures just to pay for their past mistakes.
But the vast majority of these ordinary people have voted and by voting they legitimize and agree to play the game. They are not innocent. Maybe they misjudged the effects of the policies they voted for or they voted anyway for personal gain. I argue it doesn't matter. If you shoot someone, then say you didn't know a gun could kill a person, you are still responsible and guilty for his death.
In other words, the innocent people are also guilty because by voting they agree to accept the decisions their appointed leaders take for them.
The only real innocent are the unborn and the children that will have to bear the debt and suffer in the ruins their parents are going to leave them.