Interestingly, your sentiments about moral hazards in finance exactly mirror mine regarding obedience to the law. E.g., if I'm one of the few who pays all of t

Interestingly, your sentiments about moral hazards in finance exactly mirror mine regarding obedience to the law. E.g., if I'm one of the few who pays all of the taxes I'm supposed to, does that just make me a self-righteous chump? Or is there much point in me properly disposing of household lead, fiberglass insulation, etc. when 99% of other users of the landfill ignore the rules?