The ground rules that we’ve decided on (at least here in America) is that agents should be presumed to be acting in their own best interest, unless you have spe

The ground rules that we’ve decided on (at least here in America) is that agents should be presumed to be acting in their own best interest, unless you have specific assurance that they aren’t. You might decide it’s unethical, but if it’s literally standard operating procedure for industries like retirement planning and insurance sales, then either your definition of ethics is too narrow, or everyone is operating unethically.