30 Philosophers, Chapter 24, Locke, Touchstone 62: Checks and Balances.
Power is necessary, but power is dangerous. The great wisdom behind checks and balances is that we should never design a government around the hope that good people will always be in charge. People are fallible. They become biased, tribal, self-interested, and sometimes corrupt. So instead of simply trusting leaders to restrain themselves, a healthy government builds restraint directly into the system. Power checks power.
Roger Williams started the ball rolling with the separation of church and state. Locke helped develop this idea by separating legislative power from executive power, but Montesquieu pushed it further. In 1748, he explicitly divided government into three branches: legislative, executive, and judicial. Each needed enough independence to resist domination by the others. But they are not completely independent—and that is the clever part. Their powers deliberately overlap. Each branch can restrain the others, making it much harder for one person, party, or institution to seize unchecked control.
That is the deeper wisdom of checks and balances: never judge a concentration of power only by what your side might do with it. Ask what your worst opponent could do with the same power. A good system does not merely help good leaders govern; it limits the damage bad leaders can do. Freedom survives not because those in power are always trustworthy, but because wise societies make trust unnecessary.