Capitalism doesn’t reward shareholders for preparing for a downturn, the system demands profits must go up before any other considerations.

And the companies themselves can’t be trusted to do the right thing, that’s why taxes should help pay for an oversight group to “keep them honest”. And when caught skirting regulation they should be fined accordingly, and increasing fines for repeated offences. And if they still can’t follow the rules shut them down and have them pay for it.