Not sure here - if you take a look at that case, he straight up murdered his girlfriend there on the mountain. That should not put people off activity.

As of January 2026, there were a total of 4,633 credit institutions operating in the European Union

So that 6 billion is 1,3 million per bank spread over 4 years. So 323.764€ per year. That actually sounds unrealisticly cheap.