> Unfortunately, regulations are complicated, vague, and enforced unequally.

All true, they are. But how implying helping somebody to navigate this mess is somehow bad thing? The bad thing is complicated, vague and capriciously enforces law, not people trying to deal with it.

> And yes, sometimes they're even secret, because of fear that if their exact model is publicized, the banks will just optimize around it

This is the opposite of how the law should work. It's like the argument of making the laws and the courts secret because otherwise criminals would know the law and would learn how to avoid being prosecuted, and would also be able to hire lawyers for the same purpose. Yes, they are, and that's how a normal country works. The opposite is how a totalitarian police state works. Sure, it's probably harder to get away with a financial crime in North Korea - but it's also impossible to live a normal life and enjoy freedoms we all have. I'd rather let some crooks slip through now and then than turn the country into North Korea.