Opportunists are faced with the decision "Should I attempt to make a bucketload of cash, and secure my family's - and my stakeholders families' - future, or should I take a moral stance, make no money, and console myself in poverty because I'm a 'good' person?"

Contrarily, lawmakers have all of the tools required to make a better system, and yet choose not to, for the same indecipherable reasons so many political decisions are made.