This is what I dislike about those who claim Capitalism is moral. Morality is not a system, and it's all relative to individual circumstances. Government regulation is necessary because of the way business rationalizes how it treats it's workers. The gamble is not just the guy who thinks it up. Without regulation, which is happening now, people are losing quality of life at an alarming rate. We are supposed to be a country that takes care of its own, not just the people at the top. We are supposed to be a country that educates it's children, but in New York State it has become union busting. I do not believe any one "ism" is a pure system. It's not all about the individual, but about how we all get along. It is in the interest of society to encourage it's talented members, but we are in fact an Oligarchy where money rules, not a real philosophy.