Agreed, that's the only thing that will stop this garbage.

Between companies and banks doing this, our own government allowing civil forfeiture, and the penalties- of there even are any, are a monetary slap on the wrist, what recourse do we have?

We can't even change the laws because money lobbies and always wins.

I really hope this is the tide changing.

This applies to a great deal of white-collar crime. As long as there aren't serious PERSONAL consequences for wrongdoing, just a fine that the company coffers will pay as the cost of doing business, nothing will change. We need to start to put CEOs in actual prison and to forfeit their fortune.