Your narrative is exceptional – as wisdom. But wisdom cannot be converted into law unless in a formal, deflationary argument.
The west differs from the east. We never conflated law with other fields. And the skin of the loan IN put = the warranty OUT put.
High trust civilization (the west) could use warranty rather than skin. So what happened that the west stopped demanding warranty?
Without low trust SKIN IN -or- high trust WARRANTY OUT, western civ kept high trust population but low trust economics and policy.
Now, if the west relied upon high trust warranty, how could we rely once again on high trust, or must we move to low trust Skin?
When you discuss cultural deltas I hear (a) levantine low trust with (b) mathematical and literary platonism. Not Natural Law.