> On the other hand, Zenefits might not have bothered with certification since it wouldn't have been legally required, or the requirements might have been less

> On the other hand, Zenefits might not have bothered with certification since it wouldn't have been legally required, or the requirements might have been less silly if certified professionals had to compete with non-certified. You have to prove this. Also, you have to consider a problem in the way the market works. Insurance brokers are paid by insurance companies through referral fees, not by the final user. If you know something about economy, this should ring a bell: "moral hazard." Or we change the way the market works, but there could be unintended consequences or external regulation is required to ensure the market is fair.