Some companies hire outside hackers to demonstrate for them just how bad their security is.
I took SO for a test drive. Some people enjoy robbing me of 100 pts reputation, but they spend more time policing me than I do screwing around. The goal of "eliminating the greed" and those who "game the system" is very labor-intensive, IMO.
Why not think hard about proper incentives on SO? Make the system simple, self-regulating. Currently I do not see them as working.
In real life too - blame the greedy bankers all you want, but with cheap loans, hints at bailouts, FDIC, loopholes I think it was only a matter of time.