Consumer ignorance is not an excuse for a crappy market. Consumers should have access to advice from a third party. When I want finical advice I hire an exper

Consumer ignorance is not an excuse for a crappy market. Consumers should have access to advice from a third party. When I want finical advice I hire an expert that gets paid the same no matter where I invest my money, because his incentive is to give me the best advice so I stick with him. If I get finical advice from someone that gets commission based on selling specific investments then the advice is more likely to be less than the best.