Banks

In the 1970s most banks were privately owned. The partners who owned the bank allocated a portion of the profits to nonpartners while giving the rest to themselves. The nonpartners had to earn their money each year but the partners' percentage ownerships were reset every couple of years. So everyone's performance was always evaluated and judged because their own money was on the line. To put it simply, if you handled your biz, you got paid. If you didn't, you got penalized.

Nowadays, executives get huge bonuses either way. The more you play with people's money, the more money you make. And if you're not successful with your risk(s), hey, you're getting your bonus at the end of the year so no worries. And, oh yeah, screw the common man.