There were plenty of reasons on the threads here if you look for it. Just because somebody is mostly talking about emotions doesn't mean the argument are not rational.

Anyway, people have different risk profiles than companies. Interest-rate based present day adjustments are meaningless, because they don't have the same opportunities on monetary markets; existential risks are well, really existential, instead of what they are for companies; power relations are extremely important, because people don't get any power; and so on.

Again, if you insist on fixing it, it's a "you" problem that will lead to well deserve failures.