“The finance industry, regulators, and political leaders need to create a shared sense of collective responsibility for the system as a whole,” says Nobel Laureate Michael Spense. “Some will object that this idea won’t work because it runs counter to greedy human nature. Yet such values shape other professions. In medicine, there is a huge and unbridgeable gap in expertise and information between doctors and patients. The potential for abuse is enormous. It is limited by professional values that are inculcated throughout doctors’ training, and which are bolstered by a quiet form of peer review.”