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  This is a prime example of why there should be an inverted bonus scheme in place for staff in organisations who are responsible for other peoples' money. Instead of high financial rewards for those who simply do the job they were contracted to do in the first place, a pecuniary punishment should be levied on all staff involved in making a financial decision that goes tits up. Say, 100% of any monies lost, plus interest. That would encourage a little more prudence and show some of that finiancial responsibility the comfortably off are always insisting the rest of us lack. A kind of white-collar community service. They could even wear an orange Hi Vis jacket to the office to show the degree of their repentance and social commitment while they're paying it off.

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