That's how you should judge this. The "highest fine ever" is $700M on a profit of $13400M (after tax) according to their financial report. Or something like $2k for someone making $100k yearly (again calculated as 4% on after tax).
None of these institutions are in any danger of serious consequences. This is a "1% less hookers at the christmas party" punishment.
When you have 100k+ employees, it's immensely difficult to keep tabs on every. single. thing. that's happening.
If a bank sees asset flows into the trillions, even $1bn of tainted transactions is less than 0.1%.
Do you or 'those in power' know 99.9% of what happens at your company?
Tough. You want the big bucks? You gotta solve hard problems. Big companies shouldn't be able to whine or excuse their way out of problems because those problems are hard. If they're too hard to solve, pull an HP and split your company into lots of smaller companies.
The places which don’t have good auditing teams are gambling that they won’t be fined more than the cost of having one, which is easy to fix.