First off, I think Happy Warrior made a good point in #5.
But, to address your question, Peach93, it depends on the circumstances. Maybe some examples will help.
(But it bears saying that “simple past” is not the correct term for regulated in “Even if XY regulated the handling…” Here regulate is not the simple past of to regulate, but is a counter-factual.)
That said, here are three examples of usage. Hopefully you can glean some sense of the usage from them. (But be aware, they don’t exhaust all the possibilities for tense usage in the two clauses.)
#1 Even if I had money, I still wouldn’t buy it. => I don’t have any money. Also, the object is of no value to me. So even if I had money, I wouldn’t spend my money on that object.
#2 Even if I had money, money still isn’t everything, => I don’t have any money. Also, it is true that “money isn’t everything”. So whether or not I have money doesn’t change the truth of the following statement.
#3 Even if I have some spare change, I don’t give money to panhandlers. (Should be clear, I hope.)
