1. I was just stating my opinion. If somebody wants to go to an incompetent insurance broker, or do dangerous drugs, or jump off a cliff, I think that should be

1. I was just stating my opinion. If somebody wants to go to an incompetent insurance broker, or do dangerous drugs, or jump off a cliff, I think that should be their right since those decisions don't significantly affect anyone else. Again, just my opinion on an ethical matter, a reasonable person could disagree. 2. My understanding is that there are few government-mandated certification systems because they tend to gradually evolve towards licensure, due to political pressure from producer groups. There are many private certification systems that work quite well. The Good Housekeeping Seal of Approval is a private certification system for household products. Stores such as Target certify the value of the products that they sell in order to guard their own reputation. I'm hesitant to mention this because I don't know much about it, but I believe accountants are also certified rather than licensed.