Likely is the important part of your final sentence. They are not acting against your interests and they are taking on risk in the market to your benefit.<p>Is it limited risk? Of course, that&#x27;s their job.<p>Finally, I&#x27;d ask, what is your point? That the law is flawed? OK, then work to change it. But know that lots of people have done their own research and come down in favor of the execution cost benefits of wholesellers.