Fraud in the banking system is probably the biggest „loss” registered in this sector, the most dangerous effect being the credibility, besides money, some of which are lost. It develops feelings of disappointment and cynicism about the fairness of the system. But society can not function without rules, shared common values and trust. The banking and financial system can not be bypassed or replaced easily. There is no alternative solution. People need to adapt to and live with it. It would be good for people to learn to be more careful and demanding.