We have laws and a justice system that disincentivizes bad behavior. The existence of holes in that system does not mean that an effective system is impossible.

We have laws and a justice system that disincentivizes bad behavior. The existence of holes in that system does not mean that an effective system is impossible. Plenty of bad person stuff is illegal and punishable. It should be illegal (and enforceable) for regulators to be so cozy with industry. It feels like you're suggesting we just throw our hands up and say "better things aren't possible."