At the very least heavy regulation to prevent unfair practices. Humans will pretty much always optimize the fun out of everything.
Take competitive video games for example, where once something becomes the meta, it’s used and abused until it gets nerfed. But people still play hundreds of games with whatever the most optimal meta is, even if it takes the fun and variety out of the game and makes it boring.
Pretty much every economic system ends up the same way, people figure out the most optimal ways to exploit whatever the system is, take the fun and fairness out of it, and ruin it for anyone who doesn’t want to play by the meta. In an ideal system, there’s strong regulatory systems in place (for example the FTC and the CFPB) that work to balance things and make sure the system works for everyone. But the people who like to optimize the fun out of things have decided they’d like the regulators out of the way so they can go crazy with their exploitation.
At the very least heavy regulation to prevent unfair practices. Humans will pretty much always optimize the fun out of everything.
Take competitive video games for example, where once something becomes the meta, it’s used and abused until it gets nerfed. But people still play hundreds of games with whatever the most optimal meta is, even if it takes the fun and variety out of the game and makes it boring.
Pretty much every economic system ends up the same way, people figure out the most optimal ways to exploit whatever the system is, take the fun and fairness out of it, and ruin it for anyone who doesn’t want to play by the meta. In an ideal system, there’s strong regulatory systems in place (for example the FTC and the CFPB) that work to balance things and make sure the system works for everyone. But the people who like to optimize the fun out of things have decided they’d like the regulators out of the way so they can go crazy with their exploitation.