A smart person could think of dozens of ways around any explicit legalistic regulation intended to protect consumers, given an afternoon. Ultimately every regu

A smart person could think of dozens of ways around any explicit legalistic regulation intended to protect consumers, given an afternoon. Ultimately every regulation needs an uncaptured civil service regulator who can take offense at somebody trying to perform cheeky workarounds and impose disproportionate punitive measures & regulatory adjustments when the spirit of the law is violated. If you don't have that (and we don't, in many areas), then you don't have effective government. This is why the Federalist Society going after Chevron deference is part of an attempt to overthrow the government; If the iterative regulatory loop demands a full appellate process followed by getting half the votes in the House, 60+ votes in the Senate, and one vote in the White House, then no regulation will be performed in practice. Virtually everything the FTC does is now subject to Federalist Society veto given sufficient time for the lawsuits to be filed & processed.