it seems that the US financial regulations are 1 big mess of patches. (For an uninformed outsider like me). For example are onion futures are made illegal, The

it seems that the US financial regulations are 1 big mess of patches. (For an uninformed outsider like me). For example are onion futures are made illegal, The Pattern day trading rule seems strange, gift cards etc. it seems problematic that there is a need for creating very specific regulations when it’s about financial services. This seems way too specific to be able to uphold and cause uncertainty for startups. It is not possible to create a more broad regulations?