There are supposed to be checks and balances in the system. The lawyers were supposed to say no; the accountants were supposed to say no; the bankers were supposed to say no. But no one who was supposed to say no said no. They all took their share of the money and put it in their own pocket.
There are some storylines that developed well in the foreground or background but Kala has the least progress. In the second half, there's more synergy but also more plotholes during the attempts to bring the pieces back together but it is good that answers are provided.