Bottom up organizations don't have whistle blowers

John Allison's The Financial Crisis and the Free Market Cure describes the BB&T Bank and its operating style which appears to be the polar opposite of 'Too Big To Fail' top down directed major banks that are poison to their customers, employees and ultimately shareholders. James Stewart's They Exposed a Scandal But Merited Just a Footnote  describes how whistle blowers are contained at Wells Fargo. I'll bet BB&T's bottom up style doesn't have whistle blowers because the problem is noted and fixed long before it gets to the point someone thinks its necessary to go report outside.