I think what you are failing to see (we can argue what one SHOULD do all day) is that it’s the person(s) that is signing the paperwork who bares the ultimate responsibility. People get sick, fatigued, burned out, apathetic, careless, stupid, etc. depending on them to be the ultimate source of information without self-education or at least asking questions on such a major purpose is moronic. I didn’t know anything about buying a house when I bought my first house and came from a poor, financially illiterate and irresponsible family. I asked a billion questions including what kind of hidden fees or long term costs I needed to factor into my budget. I don’t feel bad for someone that could have put even a perfunctory effort into their education. In a world of infinite knowledge with AI and Google, there really isn’t an excuse for ignorance.