People say things like this, that when a company is competent, or ethical, or whatever, that it's not thanks to the government.
Yet I hear/read every day where a company says that they cannot do a given sensible, or ethical thing because it is not mandated by law. Every disclosure (e.g. privacy) I get with a financial account says that they cannot give customers more rights than are mandated by law.
I wonder what the reason for this disconnect is?