Sure, like all risk analysis you weigh benefits against costs. In a general sense I don't think we're far off a decent balance. The problem is that we seem to

Sure, like all risk analysis you weigh benefits against costs. In a general sense I don't think we're far off a decent balance. The problem is that we seem to have entirely ignored the moral risk where some people (criminals in all but name) continually abuse the same issues. Companies intentionally go bankrupt with a ton of debt rather than trying to minimize debt when it implodes. I've seen companies buy big pieces of equipment just before bankruptcy which were then sold to pay general debts, only a small portion of which went to the seller. Management knew they were likely caput but they didn't act like it. Mistakes can happen, but in this case it wasn't a mistake and it was incentivized - not just allowed - by our system. At this point it's not a tradeoff, it's a trap that we're stuck in while its being exploited. If I borrowed your car and my garage burned down with it inside you wouldn't hold a grudge, but if I knowingly parked it in a burning garage you would.