If software was so regular like construction, we could automate most of it.
What do you mean by "fully automated" ?
Literally every aspect of that job is fully automated.
Where I work today 20+ years later, we have 1/3 of the people doing like 100x the amount of work by several measures. Little teams of developers can just crank out work.
Yes, the productivity of modern day "stored-in-the-DB/presented-in-the-browser" project teams can be astounding. But that's only one type of software.
B. Are you saying top banks are bad at banking?
literal fraud by banks and security rating agencies was directly responsible for the crisis. They defrauded their customers and each other.
Thats why they were called subprime loans.