It's not crazy, but many company divisions are set up in such a way to dilute guilt, and make people feel helpless about fixing issues near them. It will often be difficult to follow a paper trail and find that yes, X Y and Z were the people that decided on a criminally negligent tradeoff.

Just like the unread targets in Wells Fargo, nobody asks for the fraudulent behavior by name, but the incentives often make it inevitable.