It sounds as if you are saying that if there are no financial laws against it and citizen protection government departments and our educational system allow it, that anything goes. Not sure there isn’t something dangerous to society in that philosophy.
1. We had stong financial laws, but in the last few decades much of their power has been stripped by guess which administrations.
2. Our administrations have managed to put the worst people over government citizens protection departments. It’s insane to put a a petroleum lobbyist over environmental protection, to put drug company executives over the FDA, etc. Most of the citizens protection departments have been weakened to the point of paralysis by putting the people who are most against them in charge of them.
3. Similarly, our educational system has been emasculated by defunding, and imposing crackpot requirements on them. Most of the kids today are learning less about the functioning of gobernment, and the reasons to be involved than they did in the past.
4. Morality isn’t separate from the human group. We, as humanists, believe in helping each other out, and fainess. The Rand Paul and Tea Party types see that is silly. The job is to win, and if that means screwing everyone else, so be it. So, according to us the farmer is immoral, but according to him, his job is to compete and make a profit and it would be immoral for him to let his competitors win.