I don't know. This is the kind of decision where the upside is very visible and easy to argue for, and the downside is much less visible, very spread out, and u

I don't know. This is the kind of decision where the upside is very visible and easy to argue for, and the downside is much less visible, very spread out, and usually a couple of orders of magnitude larger than you'd first guess. Dev doing a successful OOS project in his spare time is something that fortunately still happens. Dev doing a successful OOS project _and_ accepting liability for potential mistakes is something I really expect to see less of. Plus don't forget the death by a thousand papercuts. If you have this regulation, and that liability, and who knows what else - this is a very time-tested pattern: it raises barriers to entry in an industry and favors large, incumbent companies. Paying a lawyer is a small price to be sure that you can't have competitors smaller than that.