[adamlett]

Your examples all have something in common which is that the harm is caused indiscriminately by which I mean that there is I reason to think that any one group of people is affected more than any other. In other words they are like car accidents. Everybody has a roughly equal chance of being affected and therefore everybody has the same incentives to fix or not fix the problem. But when some problem affects a particular group of people disproportionately and when that group is itself powerless to fix the problem, well then the situation is fucked. Especially if those who do have the power to fix the problem instead choose to wash their hands of it.