One of our Founding Fathers wrote that the Constitution was designed to guide a moral, religious, and responsible people. It would fail if the people were not of that persuasion. I believe it is fair to say that at least half of our population has failed the test.
Most people in the U.S. are moral, religious, and responsible. What are they to think when banks, Wall Street execs, and other assorted useless fools are rewarded for behaving like thieves?
You have correctly identified the problem...but blamed the wrong people.