That’s 100% the issue with everyone and with everything. But at some level there is a level of personal accountability. Before you offer to take people’s money, you verify you can. There is a Hadeeth that states:

The Prophet صلى الله عليه و سلم said: “There will come to the people a time when a man will not concern himself where his income is from, whether it be halal or haraam”

We all need to be careful when taking peoples money.