Comment by ModernMech

You and I probably have very different ideas about what is moral and what is not. For me, the highest moral crime is greed. A lot of people seem fine with it today. So for you to claim that the fire happened because of the poor moral character of the person who lit the fire, I can just as easily say this happened because of the poor moral character of the people who didn't pay him a fair wage, which leaves us nowhere.

That's why I focus on purely systemic arguments. The humans in the system are abstract. It doesn't matter if they are moral or not, they respond to systemic incentives. So if they're acting immorally according to you, why is the system incentivizing degenerate behavior instead of moral behavior?