Courts enforce consensual contracts between two people. That's a basic function of government and doesn't restrict your rights, except that you must abide by your word. What this discussion is about is legal constraints on the contents of those contracts.

A lot of what the SEC and FTC do is require appropriate information disclosure to protect consumers from deception. The SEC requires financial disclosures, auditing, etc. In the FTC's own words: "Federal Trade Commission has a broad mandate to protect consumers from fraud and deception in the marketplace". The idea is to make sure people have the information that they need to make informed decisions. Not to tell them what decisions they are and are not allowed to make once they have that information.