A different view is perhaps that there is a system between the individual and the rest of society - there is a line where a person is clearly not of sound mind

A different view is perhaps that there is a system between the individual and the rest of society - there is a line where a person is clearly not of sound mind so cannot be taken advantage of, but then there is another area where the person is of sound mind but it is not in society's interest to allow them to be taken advantage of. I often find that when (right wing) people say they want to push regulation back they sort of mean the point of "individual sound mind" but we as a society all benefit more when exploitation is prevented in that other grey area of "what benefits us all" That grey area not only includes preventing usury but immunisation and education and sewage plants.