Yes, qualified advice is hard to find. Probably because the primary clientele for such advice is not price sensitive and because providing good advice requires

Yes, qualified advice is hard to find. Probably because the primary clientele for such advice is not price sensitive and because providing good advice requires researching exact circumstances because the exact details matter when it comes to avoiding financial and legal pitfalls. And that means that internet advice is not likely to be based upon experience that began with qualified legal advice since such advice was provided based on exact details. So there’s a non-trivial probability that “it works on my machine” advice is just a method that hasn’t been caught running afoul of legal and tax laws yet. Or given by people who are willing to run that risk. Anyone who has their ducks in a column has only done so by acting in accord with them exact circumstances.