Disillusioned9
Don't see how this edge case is worth permanent surveillance of everyone.
These hail Mary's may have a little more use if the moral hazard weren't so blatant, and the rewards and risks more appropriately distributed.
In his book Give and Take, Adam Grant talks about givers who are "otherish:" they demonstrate strong compassion for others, but not at the neglect of self-interest. Those who identified as otherish were least susceptible to burnout or compassion fatigue and could sustain their patterns for giving more help than they received for long periods of time.
I suspect there is some correlation between high concern for the interests of others and low prioritization of self-interest. But the real culprit is low self-interest, not high empathy or a strong concern for fairness.