thank you for this post -- overall, I would add a personal "unsubstantiated claim" that a big, big part of new additional requirements, micromanagement, constan

thank you for this post -- overall, I would add a personal "unsubstantiated claim" that a big, big part of new additional requirements, micromanagement, constant ID problems and moving the goal posts regarding cash flows is .. insiders at credit and banking, ex-finance career money handlers and others wearing a uniform, executing and getting away with financial theft. Ordinary citizens with "a life savings" are far more rare than "college educated with a gambling habit" insiders on the business side of money, forging, smearing and blaming while pocketing the results. I believe I saw this in the USA with VISA credit, mortgages and other forms of personal finance, leading up to the 2007 meltdown. Second rant part - regulatory compliance boils down to a "pain game" in so many old industries.. We know 'x-y-z' is happening but we shut it down when we find it, versus, 'newly promoted enforcement official needs to show success now' motivated audits, new regulations and 45-day decrees. All players at a certain size are guilty but the question is intent, awareness and effort to curtail. Bluntly, the expression is "sh* rolls down hill" .. meaning that the least able, least aware and least mobile get stuck with additional restrictions, burdens, in some cases fines or entrapment, while Big Business shows up to work again tomorrow.