The problem is that risk increases rapidly with time. Any system whose goal is to optimize the usage of money, which is what finance basically is, will almost a

The problem is that risk increases rapidly with time. Any system whose goal is to optimize the usage of money, which is what finance basically is, will almost always value short term thinking over long term thinking because of the much greater risk involved. The way to counteract this is simple. Regulation and/or adding a monetary cost to the behavior you want to discourage.