I see that your point of view is largely based on the basis of ensuring fair treatment of people, and so your solutions are perfectly sensible from that angle. There was a time when I would have said the same thing, but it was these observations that led me to believe that government interference in the economy is a very expensive placebo:
First, the United States had a lassiez-faire economy until the 1920s. From the data I have seen, we still had recessions at roughly the same frequency. Further, the regulation did little in terms of preventing larger companies to act as de-facto monopolies and brutalize the competition. It would appear that regulation has done very little to prevent the rise and fall of bubbles, which were very costly to those who participated. Historically, I don't see any big change from before and after we started regulating the economy. Being that in the US, regulation is a 80-year experiment in progress I would say that at least in a US context it would in fact be the regulationists' responsibility to justify their existence.
Second, I observe that most people I know who are in a bad financial situation are there because of poor or outright irresponsible choices that they've made and would have made the same choices regardless of any regulations (or did, in spite of them). I believe that in a world where people understand that there is no government safety net for them, they would be more likely to make decisions that would keep them from going broke.
I am intrigued by the point you make about deregulation leading to rising prices and decreases in wages and quality, however, so I'll have to study that more carefully.
Anyway, thanks for your feedback.
~Ben