On the flip side regulations are in place to protect the ill-informed consumers (either due to mental capacity or lack of information). I figure consumers enjoy

On the flip side regulations are in place to protect the ill-informed consumers (either due to mental capacity or lack of information). I figure consumers enjoy being in their position anyways, they just want something to work without having to worry about any of the details. i.e. Using Salesforce instead of rolling your own solution.