Neville- actually the issue is what to do about evil men who use halacha evilly to take advantage of other people. Since the times of Chazal until recently there were ways for Rabbis to socially control such behavior. Until recently there was not much economic incentive for such behavior.
Things have changed.
The question is how does halacha deal with this new situation?
The answer is that the Rabbis have a lot of discretion. Torah lo bashomayim hi.