This. I'm extremely good with legalese, regulations, fine print, etc. More so than 99% of my peers, even some that have law degrees, and I have spent a lot of t

This. I'm extremely good with legalese, regulations, fine print, etc. More so than 99% of my peers, even some that have law degrees, and I have spent a lot of time explaining all the ways in with a specific contract might be trying to screw them. Most people simply aren't equipped to make those decisions. In fact, I'd go farther to say that the overwhelming majority are ill-equipped. A comprehensive cost-benefits analysis is hard enough for most people without also requiring them to sift through impenetrable legalese to figure out what the costs really are and what benefits they will actually get.