The rich (and their lobbyists) write the laws. The system is set up this way intentionally. The public subsidize the risks of the wealthy while brainwashing the lower classes to accept these risks as their "lot in life". It's not some crazy accident, the game is rigged. You can see this play out in the bank bailouts, the new tax laws and various other policies.

America is a country for the rich with rules written by the rich.