repay you. but lots of banked failed at that. recklessness wasn t a clever strategy. bankers may have thought they could sell off they re bad loans but places like bear stearns got stuck in the crash with batd loans they couldn t sell which made them insolvent. even citigroup and bank of america saved by the bailouts suffered huchblg losses that their shareholders have yet to recover. all the financial struck churg in the world couldn t change the fact making bad loans is bad business. unfortunately it took a economically devastating crash for bankers to learn that. my employer, wells fargo wasn t perfect and it got in trouble for it s home mortgage practices but it s done much better than most banks because bankers were more careful about the risks they took. wells fargo made sure the same person was responsible for schmoozing the client, doing the lone math and monitoring the loan. once you made the loan it was your problem until the borrower