"It's as if I've inherited a skin I cannot quite fit, and so I walk about constantly pulling and and tugging, pinning and pruning, trying desperately to fill it out, hoping that no one will look at me struggling and say, 'That one there- she's a fraud, Look how she doesn't fit at all."

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It's not enough say, "Look, bankers were immensely greedy and that they committed lots of frauds." I mean, that's not, they were set free, that sort of particular proclivity in human nature was set free to do its best and its worst. Politicians and regulators are consumers of ideas. They never have any ideas of their own, it would take too much like hard work to develop ideas, you get them off menus and you pick the ones that suit you. Financial services were set free to go beyond their rightful place, a place by which they have been restrained in the past.

— Robert Skidelsky, Baron Skidelsky