I'm not sure that OP was referring to people being swindled, specifically, so you speaking on behalf of society (the "we" stuff) probably wasn't needed. I thin

I'm not sure that OP was referring to people being swindled, specifically, so you speaking on behalf of society (the "we" stuff) probably wasn't needed. I think it is understood that the regulations are in place to mitigate risk for the most vulnerable. Whether this has been the right implementation (income vs some other means) is what I think OP was getting at.