I think you meant to say "protect citizens from having any personal responsibility", right? Because that's what you are advocating - zero personal responsibility as-if it's hard to look at your bank account and cancel things...
Just enable purchase notifications in your banking app. Any time your account is charged you now get a notice... these are not difficult things to do!
> (very similar to overdraft fees and upcoming rules to compress them by the Biden admin and the CFPB)
This is a farce. If the proposed changes were well-meaning they'd eliminate overdraft fees entirely - but that would have the effect of banks simply declining transactions. People literally want to spend money they do not have, and also want it to be free to do so. Incredible...
Do you think so little of people that you do not believe they are capable of spending 5 minutes reviewing their bank account per month? So little that they are incapable of enabling transaction notifications on their smart phone (hell, when I first signed into my bank's app it wanted to enable them by default!).
This perspective is the one that believes things "just happen to them" and takes zero responsibility to actions or lack thereof.
This is a poor perspective to have, and the purpose of government is to protect its citizens from predatory behavior. You're entitled to the opinion, but I vote for people who protect citizens, because that is where the greatest value is in aggregate improvement (vs "personal responsibility"). Existing is different levels of difficulty for everyone, and personal responsibility projection is of little value. But it is great if you're crushing it taking care of yourself.
(very similar to overdraft fees and upcoming rules to compress them by the Biden admin and the CFPB)