The Wall Street "Talent" Merely Reforms Into Smaller Units

Does that mean all of TARP is for naught, as the problem is in the minds of individuals and not corporations? A core issue:

http://www.nytimes.com/2009/04/12/business/12wall.html?hp

and somewhat related, showing the inverse (obverse? reverse?) issue, What Our College Brightest Are Flocking to These Days, now that investment banking has been disgraced:

http://www.nytimes.com/2009/04/12/weekinreview/12lohr.html?hp