If you're worried that lions are eating too many zebras, you don't say to the lions, "You're eating too many zebras." You have to build a fence around the lions. They're not going to build it.But wait, there's more:
You can't expect [an] individual firm to be worrying about what his collapse will do to the rest of economy. That's why you need government regulation of banking. [. . .] Coal-burning utilities in the Midwest don't worry about acid rain because that's going to be in the east. That's why you need regulation.