It seems interesting to contrast this with the explanation of the financial crises that decision makers had 'privatized benefits and externalized costs' (I reme

It seems interesting to contrast this with the explanation of the financial crises that decision makers had 'privatized benefits and externalized costs' (I remember hearing it from Nassim Taleb, but there were probably others making the same point) aligning incentives between organizations and the people who make them up is hard