Basically, if there's no rule saying I can't do it, then I should do it, until rules are developed to stop it; regardless of the morality or danger.

I suspect that one way to make people more careful, is to make future rules and regulations retroactive.

For example, if I had developed a fintech product that was a legal ponzi scheme, or a downloader that is a legal way of accessing copyrighted material, because of loopholes, and those loopholes are closed, after the fact (happens all the time), then, if the new remedies can be applied to the "legal" implementations that were in effect before the closing of the loopholes, I suspect that it would make the "loopholer" a wee bit more cautious.

But that won't happen. There's way too many ways that it could go off the rails.

So people will keep on bending, folding, spindling, and mutilating, until they are stopped by a steel door, slamming down in front of them.

I strongly suspect that a lot of companies are set up to harvest as much as possible, before the door slams, so they can reap the benefits.