Or maybe it wasn't, and just off by a hundred years or so, due to human ingenuity. Society functioning as a whole, for the benefit of society as a whole. Risk which is again passed on to others. The framers of the U.S. constitution did a remarkable job of setting up a system of checks and balances within the branches of government and, with the first amendment, enusring the power of a free press to act as an additional check. What the constitutional framers had no inkling of was the eventual power of business.
Markets are clearly a very good thing.
One must also be alert to the advertising, in this area. We already have charities and lawmakers interacting with the market. Can't think of a better project to expend my effort on. Get rates as low as 0.0 percent Intro APR and no hidden fees.