Why has no one gone to jail over the last financial crisis? Simple. Politicians from both parties are in bed with the mortgage lenders trying to juice up home ownership in the country to help more constituents achieve the American Dream, and proving intentional fraud is a high hurdle to clear when people are at least in theory following dumbed-down government lending standards and everyone knows the government will backstop the majority of their losses. As someone once said, capitalism without bankruptcy is like religion without hell. Where are the people with integrity? Most likely they quit these institutions before the implosion.