A simple example to think about:
Bank customers deposit $1 billion in Some Bank. The Bank makes foolish investments. Time passess. The Bank is audited and shows total assets of $500 million. The Bank is declared insolvent.
Who should take the hit?
The obvious answer: The fools who put their hard earned cash in The Bank. If not, then who?
You shoot the bastards running the bank. After a while, the nonsense will stop.