All-in-all, Funding Companies who aren't your "original" or "innovative" tech companies or people/companies that partnered to "innovate" in some way to help the consumer directly- are struggling. Like everything in the world, there are always ways to distract. Regulations are a distraction to take away from the ones one the lower end of the totem pole to really see the big issues and actually work together to create a standard. Once the standard is built- those who do things right will stay and the BS will be weeded out. They won't make the type of "one-time" high dollar amount commissions and there would actually be work to put in.

We can easily self regulate today if we all decided too, Doesn't matter if your Direct or In-direct.