Not aggressively enough, it seems. Barry Ritholtz says at his blog that the only way the banks will ever learn is if they lose big judgments in court – a notion that seems to be borne out by another aspect of the Schroit debacle. but this isn’t true, the big banks will learn when the government stops bailing them out. If the market were actually allowed to function, B of A, which received 45 billion of taxpayer moneys, would have had to severely contract to deal with its financial problems. But instead it got bailed out. Why should it be competent or efficient? B of A had access to the treasury purse whenever it wants, and it knows it.