While banks have for the most part been smart enough not to alter compensation structures significantly, the cultural disconnect and tension continue.

FORBES: Why The Bank/Brokerage Marriage Has Failed

To "change what's broken about the banks, " it needs to encourage securitization of "good" loans, and it needs to reform executive compensation structures.

FORBES: The Bailout

Another complaint: why should owners of illegal structures receive compensation, while others go without?

CNN: Quake Politics