If bankers can push the loans and make more profits for the bank, they get paid higher bonuses. They often also get stock options. If the bank goes under, they get to keep all of these salaries and options - and the government will bail out the bank. These guys will take their money and run, which is pretty much what they're doing now.
You got to harden yourself. Make, like, a shell around you. But not everyone can do it. If they got nothing to hang on to some of them screw up. They’re not in the game no more.