It's even worse than this. Because of all the "stuff" that the "big boys" have pulled over the past 20 years, the regulators have laced the land with mines and snipers to show that they are "doing something" (Think of regulations like Sarbanes-Oxley and many others.) If one of us committed some minor technical violation of banking or similar laws (or even rules), it would not be unheard of to be fined a ridiculous amount (or even jailed) - to make an "example" of some poor schnook. No, thankfully, it isn't common, but it can happen. The whim of a regulator is all it would take. And as in any legal fight with the gummint "even if you win, you loose". YMMV