All of them, people don't learn without punishment especially these days it's the sad reality. In all aspects of life.

You can put 100 garbage cans in a nature park, the garbage will still be thrown on the ground and most likely people will come and dump their household garbage there instead.

Only juicy fines help because they hurt. Own responsibility, by the soft continuation of the Sovjet Union are outsourced on the state.

Even if the central banks are above the state