I'm not sure it's a matter of view; it's a matter of fact. Consumers do not have the ability (much less the time!) to understand everything. They can't reliable

I'm not sure it's a matter of view; it's a matter of fact. Consumers do not have the ability (much less the time!) to understand everything. They can't reliable figure out which bank is stable, which drug will kill them and which will heal their particular illness, they can't figure out which electrical appliance is safe to use and which will electrocute their family, the fire risks of the various buildings they use, and I don't believe they can understand IT security much less evaluate the security of products. No matter what our worldviews, consumers won't obtain more capability and time. I'm a technical professional and educated person, and I certainly don't have the time or resources to answer those questions, even the very last one. > What does "regulated" mean to you? I don't understand the question. In the case of IT security, I can think of many ways to do it: Liability for bad security, rules requiring good security , etc. I don't know enough about regulation to know what works and in what situations, but some minimal rules and liability sound good.