Thus regulations and democracy. And then it boils down to a political crises: when majority of people claim to *want* it how it is, luxurious and unsustainable. And then one may trace it to bad education or something.
Alternatively, one may try to attack this problem from the other end: why people ever are storing their money in banks, but not invest them directly into the companies they find ethical yet not necessarily the most profitable?
Again, the lack of skills & info.