Back in June, it looked like Bank of America had a rare win on its hands: a proposed settlement with trustee Bank of New York to the tune of $8.5 billion, meant to restore the damage done by faulty mortgage-backed securities financed by BofA's Countrywide division. Come October, the settlement fell apart because investors (among many other vocal groups, too) didn't feel the figure was high enough. $8.5 billion, not enough money? Yikes. That's a scary indicator for banking in general, but also for BofA considering it is more than the institution made in the last four years combined. The collapsed deal is another low-point in a rough year for the bank and CEO Brian Moynihan. At least he axed those $5 debit card fees.