Seems the company was continuously pushing the sales goals it was expected that employees will attempt the break the rules and caused the fraud. We can only speculate how many companies like Wells Fargo exist worldwide. However, employees should take their own part of responsibility. The word of L:aw will give us final answer.
Obviously the worker bees in a company are doing what they are instructed to do by management. These workers should win their lawsuit if they can prove that they were actually following directions. Hopefully one of them saved some emails or something. The company and its shady practices should be punished to the fullest extent of the law.
Yes, the pressure to make fake accounts was the company's fault because of the hostile working environment that executives created. All of the employees thought they would lose their jobs if they did not open enough accounts. Therefore, they opened fake ones so they could continue to put food on the table.
Companies have a way of creating an environment that makes it difficult for employees to speak out against it. This is what happened in the Wells Fargo case. Employees had to achieve impossibly high goals or risk losing their jobs. The company is directly at fault for creating those goals and an environment that left the employees with no alternate choice other than losing their jobs.