We're all arguing under a parent post which wants to reform the industry to bring some externalities back onto the agencies' books.

If it's legal to operate an explosives warehouse in town at the time you do it, then unfortunately yes I have to answer that, provided you'd complied with applicable laws in securing your warehouse full of bombs, then you could shrug your shoulders. But you'd then be shrugging in the face of a barrage of lawsuits (as is happening now with Equifax). Soon after your homeless guy blew up the block the laws would be changed. And that's the situation we're in now: rubble everywhere, with a chance to make legislative changes to prevent a recurrence.