$50 billion is pitifully small for millions of accounts, but the article doesn't distinguish between people who were pressured into opening accounts and ones where the bank just opened the accounts without permission. People in the first category need to learn personal finance and learn not to be manipulated. People in the second category ought to be handed $100,000 or $1,000,000+ settlements per account. To put the $billions into perspective, The Federal Reserve gave Wells Fargo $159 billion in bailout loans in 2007-2010 (document pg 131 http://www.scribd.com/doc/60553686/GAO-Fed-Investigation#outer_page_144), so they could have the capital to be a bank. The total in loans to all banks was $16 trillion.