The Key Target Is Incentives, Right?

For the most part, this is not a problem of the world being filled with bad people. The crucial word here is incentives,. I think we need economic systems that make ordinary mediocre and even ethical. People more and more effortlessly do the right thing to act well in the world. But there are systems where the incentives are bad enough that you really have to be a moral hero to be just basically decent.