That's my point exactly. To go back, we trust doctors; we don't necessarily try to learn how to read an X-ray or try to write a prescription.
So are we doing the wrong thing in trying to educate people? Yes, you're right, we are downloading or offloading onto people the management of their own RRSPs, RESPs, mortgages, and these are all complex instruments. As the days follow, more and more complex instruments will come out, but in the end they're probably not worth anything.
So is it up to the professionals? If a doctor fails in surgery or fails in giving you a diagnosis there are repercussions. Here there don't seem to be any repercussions.