In that respect, McGurn reminds us that economic systems and institutions are inanimate and not capable of exercising either moral judgment or immoral exploitations. Rather, morality is a duty of individuals and of the human community to establish through appropriate social values. On the whole, McGurn argues that even the most disastrous economic catastrophes play a role in allowing corrective mechanisms to evolve internally; no interference from government is necessary. Analysis and Criticism of the Religious Approach to Economic Market Regulation

In principle, the a priori assumption that religion is a beneficial perspective for human conduct and that of institutions is patently flawed. Secular moral theorists might argue (rightfully) that memorizing moral rules such as those promoted by the Christian traditions are incapable of generating a genuine moral perspective. Instead, those values...

Divine judgment and punishment) and not genuine social responsibility.
This is even more true within any philosophical framework that provides a safety net mechanism of personal salvation completely independent of personal moral transgressions. It is quite evident from all the other ways that people whose primary moral values derive from religion typically manage to justify their transgressions through creative definitions, interpretations, and other pure rationalizations necessary to support their self-interested immoral pursuits at the expense of others. Therefore, while the Blank position in support of government regulation is more beneficial to the community than McGurn's position, this commenter must disagree fundamentally with the basis of any secular moral approach that relies on any religious basis.