If someone with the resources of a retail investor can do enough due diligence on every company of an ideally very diversified portfolio to determine which companies are committing crimes, someone with the resources of the US government can do so for every company and prosecute them. If the government can't figure out that a crime is being committed, how could we expect the average citizen to do so? There's just no point in making it their responsibility except as an excuse to say it was their fault.