It speaks to the fact that in the absence of regulation, you get exactly what happened repeatedly in Eve Online -- people eventually get bored and/or things get

It speaks to the fact that in the absence of regulation, you get exactly what happened repeatedly in Eve Online -- people eventually get bored and/or things get tough, and then they decide it's easier to steal money. Banking regulations exist to counterbalance the personal incentive to abuse any authority you have and take off which what you can take. In the absence of regulations, everyone does exactly that... eventually.