Banks operate on the basis of the Law on Banking and Banking Activities and numerous regulations of the country's central bank. Bank employees do not have the right to be arbitrary and must strictly follow the instructions and orders of the central bank. Only clearly illegal decisions can be challenged in the manner prescribed by law. Therefore, bank employees may have their own opinion on some issue, but they are obliged to comply with laws, legal orders of the central bank.
It is a black and white dilemma basically. Banks would love to have zero regulations, and would be able to pay everyone a whole lot more money if that was the case, the less government interference there is, the more money they could make. There are good things that come with it of course, like all of us as customers making a ton of money, a lot more than what we are making and could even become rich.
However, it is obvious that if they do this, then the risks would be insane and we would be losing a ton of money instead of making money and that is the risk we would be taking, plus if we do not want government to meddle, then when banks collapse then government should not help neither, if they can't regulate it then they should not save it neither. All in all regulations are there to prevent a bad thing to happen, and yet it still does even with regulations.