Everyone thinks the same until they're screwed over and then they want someone to do something about that. The big misunderstanding is that "regulation" is just the stuff you don't like. In reality it's everywhere the state gets involved. Every rule that the state ever put in place is regulation. Even the little ones. Even the ones that you like.

Computers cannot be held accountable more than a car, or a gun, or an automated assembly line can. That's why you have a human there no matter what, being legally accountable for everything. The human's rank and power defines how much of the risk they are allowed to or must take.