Just discussing this on our team slack.

One simple way to address this is insurance. For example, a house in a floodplain may be cheaper to purchase, but flood insurance premiums are higher. If you’re working in a compliance market, maybe people should be allowed to buy cheap credits, but through a thresholds and allocations system, if they fail to hold up over time, the slack could be required to be filled through an insurance policy. Insurers may allow you to buy cheap credits, but would charge a higher premium.

Maybe this is also an issue with voluntary markets (although I assume you're talking compliance here?)—price becomes the primary factor that people compete on, with quality a distant second.