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"You protect you in both cases."
Difference is: in the first, when some one else is doin' the defending, that some one is usually the one settin' up the paremeters. In the second, you decide. Now, mebbe the other guy has your best interests in mind, mebbe he doesn't. Always, though, you'll have your best interests in mind.
I simply think you're a better defender of you than the other guy can ever be.
Or, you're supposed to be.
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"With regulation, it's easier to do so,"
Easier is not always preferable.
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"and you have a mechanism of redress if they cheat you anyways."
Even in an unregulated world you have the option for redress...just have to be willing and able to get dirty, is all.
And really, that's what it's about, isn't it?
Some folks can get dirty, but too many can't or won't (so nobody gets to).
Reminds me of a private back-n-forth I had with Lamp way back, he favoring regulations (of a sort), me advocating for a d.i.y. approach, with my own experiences to back that approach up.
He didn't talk to me much after that.
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