Banks interact with the legal system at every level.
So yes there maybe terrible human behaviour at times but very quickly it results in either (a) people being fined or going to jail or (b) laws improving to prevent it e.g. KYC/AML.
Also as someone who works at a bank there is a lot of code which governs what people can and can't do.
> But... they can also be programmed NOT to allow terrible human behavior.
Maybe, if you are a god tier programmer. On a long enough timescale the probability of your crypto project ending up on the rekt.news leaderboard is 1.
Banks actually do have terrible behavior if you think fractional reserve banking is a scam. If banks were not backed by the government printing press they would all collapse.
Might want to look into the rug-pulling with shitcoins, NFTs etc.
That is far more insidious since it is targeted at young adults/children by influencers such as Jake Paul, Lil Uzi, David Dobrik etc.