This strikes an interesting chord...
...as the phrases used and general stance of the article relies on the fallacy that humans are generally "good" and left to themselves will find the best options and opportunities.
However, as most here have given witness to, mankind defaults to self-interest and dismissal of authority. "I will do as I please." This same ideal is tempered in a public setting to maintain social norms, but without policy (i.e. rules), only self-interest is served.
Now these policies and rules can be both external and internal. Some things we are forced to do, some we internalize and adhere to without external pressure.
So are we truly discussing the effectiveness and need of policy or the depravity of man?