The phrase "cost of doing business" doesn't mean "bankrupt" or "righteous penalty", it means, especially in this context, that it's an normalized and accepted business expenditure because of our corrupt regulatory system whereby white collar crime is NOT punished by meaningful punitive actions that would create a deterrence. Instead, any punitive measures can simply be accounted for as a "cost of doing business".

Let me give you a hyperbolic but extremely simple example:

CEO: Let's commit a fraud worth $100m

VP: But that's illegal

CEO: Yes, but the fine would only be around $5m

CFO: Perfect, I'll add a $5m expenditure under the "cost of doing business" line item

VP: Wow, that's a great $5m expenditure, we'll net $95m in profit

CEO: Yep, that's just the cost of doing business.

Make sense?