Perhaps you'd like to unpack that a bit.

Suppose Al is a would-be effective altruist. Al estimates that his charitable giving can "save a life" (i.e., do an amount of good that he judges equivalent to giving one person a reasonably full and happy life instead of dying very prematurely) for about $5k. Al is willing to give away half of what he earns above $40k/year, and everything above $150k/year. He can work for $50k/year as a librarian (giving $5k/year, 1 life/year) or for $250k/year as an investment banker (giving $155k/year, 31 lives/year).

The investment bank that's offering Al a job was recently involved in a scandal that effectively defrauded a lot of its customers of a lot of money. Al doesn't know of any similar frauds going on right now, and is fairly sure that the job he's being offered doesn't require him to defraud anyone. But of course it's entirely possible that somewhere in the large i-bank he'd be working for, other equally nasty things are going on.

OK. So, if Al takes the i-banking job then he is "guilty by explicit participation". That sounds bad. Should Al regard being "guilty by explicit participation" as more important than saving 30 extra lives per year? If I am introduced to Al and trying to work out what to think of him, should I think worse of him because he thought it more important to save an extra 30 lives/year than to avoid "guilt by explicit participation"?

Does "guilt by explicit participation" actually harm anyone? How?