“There are those who say — and this is the discouraging part — that when the storm subsides and the guilty parties will be metaphorically hung in the town square, that nothing will change,” she writes. “Because wherever there’s money, there will be someone looking to line their pockets.”

“The sad fact is that the government, like the driver of a car, will continue on their way even when the warning lights come on as long as the vehicle is still moving,” Ringler-Hoffman says. “Its a matter of culture.”