A false dichotomy

Wells Fargo's record profit: Good omen or anomaly?

Whenever I see "X or Y" in the news, I reach for option Z!...
In this case: how 'bout evidence of fraud???

Given what we now know of the financial sector, "fraud" seems at least as plausible an explanation as either of the two choices suggested by the headline!

p.s. the false dichotomy is a favorite debating trick of cable news talking heads. Watch for it!