It's both. You need to advocate for yourself and not just decide to be a victim, and the government needs to regulate many, many predatory industries because half the population is below average intelligence, and, well, I believe a government is supposed to lookout for its citizenry (including when I get too old to understand tech and people try to take advantage of me, which they will). Yeah, go ahead and call me a nanny-state liberal. I'm OK with that.