Comment: Being honest and not scamming

Being honest and not scamming people is just a virtue. It has nothing to do with the government.

A business and its clients are bound to each other by some kind of contract. Scamming people is by definition a violation of that contract and the case can be brought to an independent court, which will finally make a judgement. There is absolutely no need for the government, here.

If you want to argue for understandable and customer-friendly contracts, thats another thing, but this can also be solved by the free market. For example, there could be special insurances who develop standards for contracts and assure that there aren't any loopholes in them. If you make a contract then, it is defined in the first place under which insurance's rules the contract is made and also the risk for undetected loopholes could be taken by the insurance.