"Mr. Barofsky joins the ranks of those who believe that another crisis is likely because of the failed response to this one. 'Incentives are baked into the system to take advantage of it for short-term profit,' he said. 'The incentives are to cheat, and cheating is profitable because there are no consequences.' "

http://mobile.nytimes.com/2012/07/22/business/neil-barofskys-journey-into-a-bailout-buzz-saw-fair-game.xml