Regulation is just a means of control. Governments should not control money any more than an individual should control another's. WE should all be in control of our money and be the ones responsible for ourselves. The problem with humanity is the weakness in thinking we need numbers or to work together for everything. Sometimes the strength that comes from numbers is individuals working, strongly, alongside one another, without needing control or obedience from another or to be tied or bound to one another against our will. Broad laws do not cover every situation, experience, or moment. They should never be applied as a blanket, every case should be handled differently. Laws should not be solid, they should be adaptable. Most are not. Most are rule of law and obey or die or be put in a cage. Most laws are not to protect, but to ensure obedience. Government doing anything, is not for your benefit, it is for the benefit of the government.