I think there's a cultural problem. Companies are made of people not papers. It's people that are pushing for profits no matter what. And as lots of money with no value get made, the value of the money drops, so you need more of it. So people start thinking in terms like "I have a family to raise so fuck principles", "If I don't do it someone else will" and so on.
I'm not talking about major figures, people always focus on those. I'm talking about regular people who have no problem working for an online casino for example when they know a significant portion of their customers are underage.
So we are adapting, but in a downward spiral. That's how I see it.