I hope this is just paranoid anxiety, but never underestimate the power of the federal government's ability to disappoint via reckless reactionism.
We're on the same page.
p.s. It doesn't have to be "organized". When there's a common goal, and finite paths to that ends, human behavior automagically begins to synchronize and optimize. Another way to envision it is starlings. No conspiracy, yet highly (enough) organized and "in sync."
Just like you can't expect a woodchuck to not chuck wood, don't expect humans to not be greedy. That will only result in disappointment and resentment.
Rather than trying to fix greed, embrace its inevitability and modify your goals so that you create systems which channel that greed into positive externalities.
I have no problem with greed per se. I also have no problem with those who want to lead. But with those decisions comes responsibility and accountability. Bug? Feature? Not my concern. I'm simply not willing to give out free passes either way.
Unfortunately, there's no incentive when spending taxpayer money for the person who "buys" insurance for tail risk events.