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Well, if they can't afford it...... you can't take $5 into a bottle shop and expect Cristal.

Wouldn't this be something you ask an accountant, or a tax lawyer? Why is this an acceptable excuse? It's not hard to get independent, expert advice: you just have to pay for it. The problem is that people have no knowledge, don't want to learn it, don't want to pay for it but nevertheless...

I would have thought it comes down to how the planners would get paid. Tell your average mum and dad to pay x% of their assets every year to a planner to advise on investments, etc. How many would? Investments don't always work out. The liability would be horrendous. You're saying we need...