Often, yes.  There's a great deal of "nanny state" nonsense about lately.  I regularly find myself at odds with the FCA's recent 'Consumer Duty' crap.  I can say, first-hand, in terms of how it's being implemented by firms, it's just an additional layer of bureaucratic box-ticking that doesn't benefit consumers in the slightest.  In practice, I basically have to talk to my customers as though they're stupid and constantly check whether or not they understand what I'm saying to them.  It's abysmal.