Protecting the consumer is quickly becoming one of the most frustrating statements I hear on a regular basis. Uttered by various regulatory bodies in response to new and innovative companies, it is a popular way for them to portray new companies like Airbnb, Uber or Zenefits and Tesla (as they relate to car dealers) as a threat to the general public as opposed to a threat to their way of life. It is usually follow by something like, "We welcome innovation but only if it occurs within the existing legal framework everyone else operates within." These bodies need to understand that that is not how innovation occurs and that if they truly cared about the consumer they would work with new players to help their industries progress and evolve. To be against this type of innovation is actually to work against the consumer and their interest, because the technology would not exist if it was not being used/bought by people who previously had access to nothing of the sort.