If someone with the resources of a retail investor can do enough due diligence on every company of an ideally very diversified portfolio to determine which companies are committing crimes, someone with the resources of the US government can do so for every company and prosecute them. If the government can't figure out that a crime is being committed, how could we expect the average citizen to do so? There's just no point in making it their responsibility except as an excuse to say it was their fault.
I should have clarified but I mean with respect to financial loss, not culpability.
Every dollar is a unit of work, and people are saying, “meh, you guys do the work and pay me something.” They abdicate responsibility out of laziness. Gone is the good old fashioned entrepreneurial spirit in favor of indentured servitude.
