The real problem is the government is afraid to police the markets like they police the people. There are all sorts of things that are legal for people to do a

The real problem is the government is afraid to police the markets like they police the people. There are all sorts of things that are legal for people to do absent the harm of others. However, when you throw in harm to others in there, you may become criminally liable for your otherwise legal actions - I'm speaking of negligence. This is what's missing. Without this concept, the government will always be several steps behind the market "innovators".