[inetknght]

> The biggest problem today ... is the complete lack of transparency

While that's the biggest problem right now, transparency by itself isn't useful. I have transparency into my bills but I don't have the ability to change them. Negotiating power is being taken away from consumers. When's the last time you've seen anything which didn't have some form of liability limitation clause? When's the last time you've been able to negotiate that liability limitation?