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Let's talk about security and free-riders. Many varieties of fraud are free-riding: you don't actually do the hard work you need to do, but merely say you did it, for your own personal profit. You're saying, "oh, your regulations didn't prevent free-riding? Well maybe the solution is to deregulate, let everyone ride free, and abandon any pretense of security against free-riders." It's true, that may be a solution, but it sounds to be suspiciously bounded by no-free-lunch theorems.



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