Bank vs Aviation

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"I envy aviation regulators for one advantage they have over financial regulators: that the desire passengers of planes have for a safe flight is highly aligned with those flying the plane. Pilots have no incentive to take off in an unsound plane," he said. 
If a plane crashes, killing all on board, the pilot dies too. But if a bank collapses, it is the shareholders, bondholders and depositors (and potentially taxpayers) who wear the cost, while the staff and executives whose risky behaviour caused the failure walk away, often retaining large bonuses they earned in the process.

- Wayne Bryes, chairman of APRA

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