Category: Consumer Protection
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Education alone doesn’t prevent fraud
Awareness campaigns assume informed people don’t get scammed. The data says otherwise—and reveals why structural protections matter more than education.
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Document mill divorce services: the online attorney who isn’t one
Online divorce document services market themselves as legal help while explicitly disclaiming legal advice. The gap costs clients money, time, and sometimes custody.
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Why Buy Now Pay Later Is More Dangerous Than Credit Cards
BNPL feels safer than a credit card, which is exactly the problem. The protection gaps and behavioral traps make it the worse option for most consumers.
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The 6% commission cartel survived the NAR settlement, and here’s how
The NAR settlement was supposed to break the 6% real estate commission. Months later, prices have barely moved. Here’s the workaround the industry built.
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Final expense insurance preys on grief and low-income families
Final expense insurance is sold as dignity for loved ones. The math, the targeting, and the lapse rates tell a harsher story about who really benefits.
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Bundles don’t always save you money
Bundle pricing is a behavioral pricing trick more often than a real discount. Here’s how to tell when the savings are real and when you’re being managed.
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Antivirus software is overrated
The antivirus industry survived the shift to modern operating systems by selling fear. For most users, the built-in protection is already enough.
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The problem with no win, no fee advertising
No win, no fee sounds like risk-free legal help, but the structure routinely costs claimants more than they realize. Here’s what the ads leave out.