The system of capitalism works fine with one exception: it doesn't handle negative value. And this is what's being exploited here. You can lose customer's data and it's their problem. Borrow, take risk, lost money, and declare corporate bankruptcy - no personal loss. Destroy environment - say sorry and that's it. That's not free market. When CEOs have their personal assets taken, and kidneys removed to pay for the corporate debts - this is when things start changing