>>Everybody doing tens of billions of $ of business shrugs off a $200M fine

Again, that's not how it works, although I know people have this romanticized view of big companies casually shrugging off 200M fines like nothing.

>>They might even get a bonus and a plaque for coming up with a scam that lasted so long before it blew up.

Again, cool idea for a book, but doesn't happen in reality. No one gets a pat on the back and a bonus for being fined 200M.