Comment by bluesign

Because there will always be bad actors. You cannot design a system on all actors' full cooperation.

Ofc they share the blame, but it is not solving the problem.

You can say for example: loan sharks are bad for society; so government gives anyone 0 percent credit. You just removed one problem, created another.

Just and sustaining system with individual morality is destined to fail. Only option is social regulation. Which is at government level.