[aetherson]

"Assigned a fiduciary" does a lot of work there. Who assigns the fiduciary? How do we find a good one? Why does this fiduciary do this job? God knows that financial professionals are not exactly immune to misconduct.

I think we should maybe admit that this is just kind of a difficult space, where there's in some rare cases a lot of money on the line and there's not necessarily anyone who's perfectly suited to handle it.