I don't know. I'm over 30 & I think the punishments aren't severe enough for repeat offenders (maybe T-Mobile falls here?) or in the face of egregious violations of best practices & incompetence (Equifax). I think firing the board of directors & instantly selling off the shares of the majority stock holders on the open market might be better measures, but it requires the government bringing lawsuits & that's not popular in the US anymore.