Nothing personal because I'm sure you didn't intend to make things worse for everyone, but your attitude is exactly what's wrong with the US and with capitalism in general - the notion that once an organization is sufficiently large that it becomes hard to trace a chain of liability, then the liability must somehow evaporate and can't be assigned to any individual parties, but must be severally absorbed by the shareholders. Oh, but the shareholders think they don't bear any moral responsibility because it's an agency problem, they only vote on the candidates that the Board of Directors offer them for senior offices. Oh, but the board of directors can't be responsible because they're not involved in the day-to-day running of the bank...and so on.
If corporate status is no more than a means by which to redistribute legal liability so thinly that none of it can accrue to any one individual, then the notion of corporate personhood is broken. I would remind you that the whole reason personhood exists in the first place is to make some sort of accountability possible, otherwise it would be virtually impossible to sue any officers of a company for lack of knowing who engineered a given policy that might form the basis of a legal complaint.