A New York Times Op-Ed makes a compelling argument for new understandings of morality:

Like bees, humans have long lived or died based on their ability to divide labor, help each other and stand together in the face of common threats. Many of our moral emotions and intuitions reflect that history. We don’t just care about our individual rights, or even the rights of other individuals. We also care about loyalty, respect, traditions, religions. We are all the descendents of successful cooperators.

This is a very helpful explanation the role of compliance as a social network phenomenon rather than a top-down system.

There are times, often the most important moments in our lives, when in fact we do use reason to override moral intuitions, and often those reasons — along with new intuitions — come from our friends.

Or…maybe they come from industry experts and regulators.