No matter how big a scam crowdsourcing will ever pull off, it will never come close to Enron, the S&Ls, or any of a dozen other 'bailout with little or no prosecution' scams pulled by supposedly heavily regulated and monitored industries and financial institutions.
About the only time regulators ever display "excessive zeal" and preemptive actions is when they worry about some little guy doing something. When they worry about something big, they conduct "frank and earnest confidential
discussions" and hold heavily choreographed hearings.
No different in a town next to mine. Get pulled over in a E-class Mercedes or a high end BMW (no matter what) and the police are as smooth as silk. You'll almost always get off with nothing other than a verbal warning. Get pulled in some low end Dodge or Ford and the ticket book comes out as they're walking toward your car. Their 'bedside manner' is completely different too.
Like I said: Maintain the status quo.