Uh, Fines are part of regulation. Fines are what makes regulations stick. Regulation is based on legislation. Of course, it's bad to have Legislation that trie

Uh, Fines are part of regulation. Fines are what makes regulations stick. Regulation is based on legislation. Of course, it's bad to have Legislation that tries to enforce things that regulators already have the tools to enforce (but aren't using). But broadly, if you want a hammer big enough that a profit-seeking corporation will avoid any tap with it, you want legislation. The usual schemes that imply companies will face costs without regulation being in effect (basically "let the market decide") won't work with individual consumers versus health providers or insurance companies.