You speak about regulation as though it's some new idea. It's not. There's oodles of regulation, layered over a few centuries of people gaming and exploiting the system and the system coming up with new ways to identify and stop it. People are more clever than you give them credit for and are more likely to simply game the system you describe to leverage things even more.

You say by making it harder to be greedy people will stop being greedy. I say it's more likely they'll find new ways of being greedy before they give it up. Then you're back to square one, but with a more complex system that costs more to simply maintain the status quo.