The creation of colleges of supervisors should facilitate this task, but as experience has shown also within countries, voluntary mechanisms might not be sufficient to effectively tackle the problems, precisely because of the existing conflicts of interest. Conflicts of interest are widespread in market participants. The problems with rating agencies have been examined several times in the past, with little progress so far.
There are various concerns regarding children as well. In this affluent society that is undergoing demographic changes and rapid progress in technology, children could lose their sense of the value of money.