Four years after Lehman Brothers collapsed and triggered the 2008 financial crisis, no senior Wall Street executive has faced criminal charges, despite a meltdown that erased more than $11 billion in personal wealth, cost millions of jobs, and led to over 10 million home foreclosures. This film asks why. Interviews with prosecutors, regulators, and former Justice Department officials examine the decisions made in the years after the crash, including the choice to pursue settlements and fines rather than criminal indictments against bank executives. One former head of the FBI's Criminal Investigative Division calls the Justice Department's approach 'timid' and admits he finds the lack of prosecutions 'puzzling.' The film traces how mortgage fraud, risky derivatives, and executive decision-making at major banks went largely unpunished, and weighs the legal and political obstacles that stood in the way of holding individuals accountable. It is a case study in what happens, and doesn't happen, after a financial system fails.