Isn't sort of foolish to expect companies to do anything but play by the rules of the game which are defined by their stakeholders(customers, partners, supplier

Isn't sort of foolish to expect companies to do anything but play by the rules of the game which are defined by their stakeholders(customers, partners, suppliers) and the government? You can rant all you want about things companies should do, but if they're rewarded or incentivized towards bad behavior then that's what you'll get. Companies may increase their buffers for a while, but the market will punish them and they'll move back towards their pre-covid behavior in short order. You can write all the blog posts you want about it, but without incentives and rules nothing changes.