25 Therefore, choose you by the voice of this people, judges, that ye may be judged according to the laws which have been given you by our fathers, which are correct, and which were given them by the hand of the Lord.
26 Now it is not common that the voice of the people desireth anything contrary to that which is right; but it is common for the lesser part of the people to desire that which is not right; therefore this shall ye observe and make it your law—to do your business by the voice of the people.
27 And if the time comes that the voice of the people doth choose iniquity, then is the time that the judgments of God will come upon you; yea, then is the time he will visit you with great destruction even as he has hitherto visited this land.
28 And now if ye have judges, and they do not judge you according to the law which has been given, ye can cause that they may be judged of a higher judge.
29 If your higher judges do not judge righteous judgments, ye shall cause that a small number of your lower judges should be gathered together, and they shall judge your higher judges, according to the voice of the people.
30 And I command you to do these things in the fear of the Lord; and I command you to do these things, and that ye have no king; that if these people commit sins and iniquities they shall be answered upon their own heads.
31 For behold I say unto you, the sins of many people have been caused by the iniquities of their kings; therefore their iniquities are answered upon the heads of their kings.
After warning them of the consequences of an unrighteous king, Mosiah returns to explaining why having judges selected by the voice of the people avoids these consequences.
“There would be a ranking of judges, with higher and lower ones, and the judges would regulate each other. If a lower judge did not follow the law, then a higher judge would judge the matter; if a higher judge became corrupt, then a ‘small number’ of lower judges would judge him, ‘according to the voice of the people’ (Mosiah 29:29).”
The people will “be judged according to the laws which have been given you by our fathers, which are correct, and which were given them by the hand of the Lord” (Mosiah 29:25).
The people will usually desire to do what is right. It is common the minority will desire the opposite. This is why they need to do “business by the voice of the people” (Mosiah 29:26).
If the people choose evil, then God’s judgements will bring destruction to the people. Around 10 years later, Amulek, when preaching to the people of Ammonihah, would remind them of Mosiah’s words.
“Yea, well did Mosiah say, who was our last king, when he was about to deliver up the kingdom, having no one to confer it upon, causing that this people should be governed by their own voices—yea, well did he say that if the time should come that the voice of this people should choose iniquity, that is, if the time should come that this people should fall into transgression, they would be ripe for destruction” (Alma 10:19).
Some 60 years later, the Nephites would be facing the consequences of iniquity. “For as their laws and their governments were established by the voice of the people, and they who chose evil were more numerous than they who chose good, therefore they were ripening for destruction, for the laws had become corrupted” (Helaman 5:2).
“One of Mosiah's justifications for allowing the people to elect their judges was that ‘it is not common that the voice of the people desireth anything contrary to that which is right’ (Mosiah 29:26]. But he noted that ‘if the time comes that the voice of the people doth choose iniquity, then is the time that the judgments of God will come upon you; yea, then is the time he will visit you with great destruction even as he has hitherto visited this land’ (Mosiah 29:27). Since the Nephites had not experienced such ‘great destruction’ on ‘this land,’ Mosiah must have had the destruction of the Jaredites in mind.
“Significantly, Joseph Smith did not dictate the story of the Jaredites until long after he dictated the book of Mosiah, so during that earlier effort he could not have known the historical details of Jaredite kingship. That these two widely separated records agree in such details evidences the authenticity of the account of Mosiah's having translated the book of Ether and becoming acquainted with its contents. It also is further evidence of the internal consistency of the Book of Mormon.”
If there are lower judges who refuse to judge according to the law, the people can have a higher judge review that judge’s decision. If higher judges do not judge righteously, the people can have a number of lower judges meet to judge the higher judge according to the voice of the people.
“Mosiah desired to rectify the inequality that can occur when one man exerts such excessive control over the lives and actions of his fellow men and to establish instead a land in which ‘every man may enjoy his rights and privileges alike’ (Mosiah 29:32).”
Mosiah commanded them to “do these things in the fear of the Lord” (Mosiah 29:30). Should there be a wicked king, and he causes his people to sin, these sins will be “answered upon their own heads” (Mosiah 29:30).
The sins caused by the unrighteous king will be answer upon their heads. We saw this in Old Testament times.
“And [the Lord] shall give Israel up because of the sins of Jeroboam, who did sin, and who made Israel to sin” (1 Kings 14:16).
“And [Nadab the son of Jeroboam] did evil in the sight of the Lord, and walked in the way of his father, and in his sin wherewith he made Israel to sin” (1 Kings 15:26).
“One of the prices of kingship is that a king must assume personal responsibility for many of the iniquities of his subjects (Mosiah 29:30-34, 38). Mosiah specifically wanted to protect his sons from this burden. He desired ‘that the burden should come upon all the people, that every man might bear his part’ (Mosiah 29:34), and that each be willing ‘to answer for his own sins’ (Mosiah 29:38).”
 “And it came to pass . . .”: The Sociopolitical Events in the Book of Mormon Leading to the Eighteenth Year of the Reign of the Judges, Dan Belnap, Journal of Book of Mormon Studies, 2014 Volume 23, pg. 105.
 “And it came to pass . . .”: The Sociopolitical Events in the Book of Mormon Leading to the Eighteenth Year of the Reign of the Judges, Dan Belnap, Journal of Book of Mormon Studies, 2014 Volume 23, pg. 105-106.
 Mosiah: The Complex Symbolism and Symbolic Complex of Kingship in the Book of Mormon, Gordon C. Thomasson, Journal of Book of Mormon Studies 2/1 (1993): 36.