I have been reading the book "The two trillion dollar meltdown" by Charles Morris recently.
Quite a good book that explains how complex financial instruments can be built layer upon layer to squeeze every ounce of profit for greedy bankers and hedge funds. Instruments that are created to spread out the risk of debt ended up being the percolated to every aspect of daily life and almost pushing the world economy to the point of collapse.
I am convinced after reading the book that banking should be kept boring and exotic innovation should be kept out of our banks.
In banking, I rather they earn less (and my dividends of course) but play it safe.