That wasn't a change in the ledger - it was the misselling and fraudulent opening of accounts. And it was remediated, there was a change in the leadership and settlements to the victims. You're proving my point, as a system we do a decent job of enforcing good behaviour.
I'm sorry, aren't the balance of accounts the key component of the ledger? So wouldn't fraudulently changing account data would pretty much be the definition of altering the ledger? What kind of thing to you would constitute "changing the ledger"?
Yes.
https://en.wikipedia.org/wiki/Wells_Fargo_account_fraud_scan...