Question: Given the above, do you think we need a bureau such as the above to protect the consumers? Playing the devil's advocate, why shouldn't we

Given the above, do you think we need a bureau such as the above to protect the consumers? Playing the devil's advocate, why shouldn't we encourage individuals to be more responsible. Why do we need to pay someone to watch our backs. For some, the CFPB is an overreach because of all the burdensome requirements. Aren't we holding individuals hands? And is this the government's job

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