We're used to being the smartest person in the room. When regulation looks like "protecting people from themselves" we like to think, "Get your nanny state away from me, I'm too smart for that."

And on a single instance of a single transaction, with enough time to go down the rabbit hole and build a point-by-point position, that might be true. The problem is we can't do that every time for every decision.

You're probably not going to know enough about cars to beat the professional car salesman. You're probably not going to know more than the epidemiologist about the latest in drug interactions. At some point you have to trust someone, or better yet, trust the system. That's why making a good system is so important, and attacking the system itself is worse than any single offense against the system.