Exactly; The system, left completely unregulated, will find the most efficient/optimal path, but at what cost? The optimal path may involve ruining the lives

Exactly; The system, left completely unregulated, will find the most efficient/optimal path, but at what cost? The optimal path may involve ruining the lives of 100 million people. The optimal path may bankrupt many countries, causing its citizens to starve to death. There is nothing wrong with reasonable regulation to ensure a certain amount of stability in life.