I think you are describing general problems with disclosure and consent regulations and common-law. The regulators and legislators pursue and get credit for in

I think you are describing general problems with disclosure and consent regulations and common-law. The regulators and legislators pursue and get credit for incremental actions, but there is no agent or body with accountability for overall impact. When regulators impose a new disclosure requirement, they often show that if a consumer reads the document, the individual will learn something; the problem is that when this document is page 53 of a 200 page disclosure, almost nobody reads it. This issue was pointed out by Chief Justice Roberts when he said that he never read any of the prescription drug warnings that drug-producers have been required to provide (by courts and regulators).