How are lawful transactions built upon virtuous ethics in Islam, and how is their implementation linked to the fear of Allah Almighty, with evidence for that?

Legitimate Islamic transactions can be built upon virtuous morals, and their application is linked to theerving God and being mindful of Him, knowing that one will be questioned about their wealth—where they acquired it and how they spent it. It also involves striving to learn the rulings of lawful and unlawful matters, as Umar ibn al-Khattab (may Allah be pleased with him) did.