The first paragraph is a good assessment of the current state of affairs.

That said, it's not a given that it be all or nothing. In fact, my complaint is specifically that we don't often ask such questions.

There might be ways we haven't exploited yet to disincentivize certain behaviors. Whoever invented Bitcoin, for example, had to take problems with incentives into account that, at first glance, seem intractable.

Given the way the internet turned out, we should think seriously about how people wind up using new tech in practice, rather than assume everything will just work itself out for the best.