It's worse than that. Citi has stolen a lot of houses from homeowners by forcing them into refinancing at higher rates. They lost a class action suit for that back in the 2000s and had to pay back $210M - but there were a lot of folks that didn't get covered by that pittance, and Citi pocketed a lot more money than the fine covered. There are a lot more ways banksters defraud people illegally, not only the fraud that's legal you discuss.

Thanks!