The nature of being adults with money and agency is that people will be trying to sell you things, and you will largely be permitted to give them money for their product. If you don't like the product, don't buy it. It's one thing if we're regulating something like food or drugs, where the average consumer can't possibly verify if e.g. an ingredient list is misleading, but here you're just straightforwardly getting some advice/coaching -- kinda up to you to decide whether it's worth it.