This is what happens when you ignore the incentives. I think forcing professionals in any field to "just be moral" -- "just do the right thing" -- "just ignore

This is what happens when you ignore the incentives. I think forcing professionals in any field to "just be moral" -- "just do the right thing" -- "just ignore the inverse financial incentive"... I think this expectation is in itself immoral; human will power has its limitations and just like everything else, we are very good a justify immoral behavior when being moral contradicts our short term needs. Regulation is indeed complicated and imperfect.. but the solution isn't a simple one -- its certainly not complete deregulation.