Most banks that get bailed out didn't break any laws. The problem isn't the banks, the problem is the lack of laws stopping banks from gambling with their clients' money. So long as it's not illegal, banks are going to keep doing it, and every time they do, the government in power makes it illegal to do it again, and then the government that follows undoes those regulations, meaning that every ~10 years there's a financial crisis that could have been averted if the regulations that had been put in place last time hadn't been repealed.