Lemmy is populated by far left Americans who were banned from Reddit for extremism. Strict ideological conformity is required or you’ll get actual death threats. Don’t go there unless you want violent communist revolution and hate discussing interesting ideas.
It is not just finances, a lack of regulation is a problem in a lot of areas because the naive capitalist idea that people will be able to vote with their wallets doesn’t work for 90% of product issues (anything you can’t see, anything you don’t purchase often, anything you can see but lack the expertise to judge, …).