or maybe banks, and more specifically people who work at banks, should not be incentivized to screw their clients at every opportunity. which is to say, we should not have a legal, fiscal, and political regime which encourages or excuses this behavior. and, as people, we should not tolerate or accept it

you are, on the one hand, calling for "community" to provide for assistance and compassion and to respect basic human dignity. then, on the other, you accept and normalize this notion that all human interaction is explicitly transactional, and even adversarial. these are orthogonal goals.