You need a law to tell you what's right from wrong? You need a religious book or a preacher to understand what's the moral thing to do? Can't we figure out those things ourselves?
There are 8 billion people on the planet, with 8 billion different ethics codes. That's why I'm saying it's highly subjective.
We're not predictable robots, we're unpredictable beings. You cannot enforce ethics on anyone, no matter how much you try to use guilt or shame for manipulation.
That's why objective laws exist and they're above the subjectivity of anyone's moral compass.
Regarding religions, I don't like them one bit. I told you that "holier than thou" debates are not my thing.
I mean come on, if human beings were dependable and ethical, we wouldn't even need Bitcoin in the first place.
In an ideal world where everyone is predictable and ethical, we could just have a Notepad txt file to exchange value.