[oersted]

I'd argue that the problem is exactly that the responsibility has been left to the builders, who have a hard enough job actually building and have little room for competing incentives.

The concept of a self-regulating industry is utter nonsense. I am a builder, and I try to do things right, but if I am honest with myself I do not have the mental capacity or willpower spare, or the worldly knowledge of everyone's perspectives, to manage these massive challenges. I need other smart people to also focus on that, people that are actual representatives of the population, and yes, force me to stop and do it better occasionally.

Achieving a good balance sometimes does require having opposing forces fight it out, it can be healthy.