The following commentary comes from an independent investor or market observer as part of TheStreet's guest contributor program, which is separate from the company's news coverage.NEW YORK ( TheStreet) -- The banking industry has had a tough time of late. Wall Street is crammed with protesters challenging high wages paid to bank executives. Threats of default by Greece have wreaked havoc with the stock prices of banks that invested in European debt. UBS ( UBS) lost its equities chief executives after revelations that a single UBS trader allegedly racked up $2.3 billion in losses through what the bank called unauthorized trades. A series of lawsuits has called into question the legitimacy of various practices that banks have reportedly used to maximize profits.