Re: That's just not how life works.
"That's just not how life works." So very true. How it does work is by rewarding those who take advantage, in the case of business, advantage of the almost complete lack of accountability.
Even when a company is destroyed because a manager felt he could make a better deal with the companies main contractor or when a fund manager sets up what is effectively a pyramid scheme but ensures none of the main political investors lose, accountability, let alone criminal charges, is not something to be feared.
As an employee you can face charges, as an owner, investor, director, board member or regulator the most obvious damaging and destructive actions are not likely to result in anything other than a promotion, unless you cost the wrong people money.