[username332211]

I completely agree. Funnily enough, the first published work of economics Glasgow professor of moral philosophy wrote a book about systemic issues. Before that, philosophers from Aristotle to Hume dealt with matters like credit and currency as ethical issues.

The only think I'd have to add is I don't think the thought experiment is merely "too simplistic". It's an evil sophistry designed to make people believe ethical conduct is unattainable.