So you are clearly against the establishment of more regulations but also fully support government intervention in what we call here a free market system.  I guess you don't call it that.  Outside of truly essential services (the provision of investment products and services do NOT meet that criterion), the market system will sort things out.  If you think the fees associated with a particular product or service are too high, then don't buy them.  Again, I understand that there are essential services, and sometimes government intervention might be necessary.  But outside of that, let's keep government out of the picture and let the market -- the people, decide what they want to and do not want to pay for.