I'd characterize it as their fitness function is "amount of profit generated" and they attempt to maximize that. Or are you saying financial firms would voluntarily leave profit on the table in order to help mitigate systemic risk?
In Alan Greenspan's testimony to Congress on the 2008 crash he said he believed Wall St. was smart enough to do exactly that: collectively manage systemic risk by factoring it in, which would necessarily reduce profits by forsaking some short terms gains.
That sounds fine, if it means that "routing around" regulation involves actually creating the amount of redundancy necessary to survive a crash or downturn. No, not everything should be leveraged to the damn hilt. Prices are supposed to be signals about expected utilities, right? Well, those expectations can be wrong, and the system should be made to factor in the known fact that those expectations are wrong with certain known frequencies.