Yes, I agree with your sentiments. You are very smart, and you know how to invest and how to attend to your investments, so you ensure your money is working for you, not for anyone else. And I agree it is very irresponsible to leave one's investments to a so-called-expert salesman. But not everyone is as astute or as intelligent as you are, and so it seems to me that this must be considered when discussing reforms. Some people will invest badly because they are incapable of doing better. And so--how much will it cost to care for these people?