Isn't that what copyright is?
To protect creative thought and offer some solace to the artist that his or her efforts will have some value if only in getting credit. Without protection anyone could use the product free of need to honor the creator. End result would be less art and more disputes.
This is a question that would take a book to answer narrow it down to what you want
Primarily through interest rates, but also through ability to pay which means the ration of income to expenses must show there is more coming in than going out. This is largely a creature of statute ---although in Canada, the payday loan crowd convinced the legislatures to ignor this basic principle and become legal loan sharks
