How securely one thinks one lives -- out of reach of temptation, sin, folly. And then suddenly -- Oh! Life is terrible. It rules us, we do not rule it.
The law code of Hammurabi is available to us and there's a preface to it in which he basically explains why you should obey the rules that he now is laying down for you.
First, so that the whole of the worldwide banking system serves our prosperity rather than risks it, let us agree rules and standards for accountability, transparency, and reward that will mean an end to the excesses and will apply to every bank, everywhere, and all the time.
Obeying the EU laws about not even defending a dominant position means leaving room for competitors, in a manner that the USrules about it being OK to defend but not leverage off that position do not.