The totality of my life experience has shown me it's precisely the other way around - it's the reckless people who punish and impede us all for their sake. Just

The totality of my life experience has shown me it's precisely the other way around - it's the reckless people who punish and impede us all for their sake. Just like there are no all-knowing bureaucrats who can detect Ponzi schemes, there are none who can detect systemic risks either.