A few years back it was discovered that several of Denmark’s largest banks had a practice of systematically defrauding delinquent debtors by making them believe they still owed debts that had been paid back already or had passed the statute of limitation. The practice had gone on for at least four decades. Senior management of the banks knew about the “error” as it was euphemismically called for years. At the end the banks had to go through their books and pay some of the stolen money back but nobody ever mentioned the possibility of jail time, fines or any other kind of penalty for anyone.