You are totally right. Information obligations and liability are the critical issues here. No more luring customers into financial constructs; really, no one un

You are totally right. Information obligations and liability are the critical issues here. No more luring customers into financial constructs; really, no one understands, but the bank wins in the end. Informed decision-making is, by definition, boring. It appeals to the rational decision-making process. I think this can be a chance for banks to virtually stand out. Constraints are the breeding ground for innovations. ;)