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When deciding if a federal regulation, which of course applies to everyone, is good or bad, should you only be concerned with the people you know it affects right now, and not the people it affects you don't know about, or people who may be affected later?
The problem has been not Nigerians getting Grandma's check, it's advising people to make the wrong choices to increase commissions and fees. It's like the guy that arranges to put the excess from rounded off math into his account and makes millions.
Boeing sued the outfit that was handling their employees 401Ks for shit like that.
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The descent of man ~ Nixon, Friedman, Reagan, Trump.
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