The answer to increased innovation is NEVER to take the decisions out of the hands of both the providers of services and the consumers. They are the only ones that should be involved and you have decided a third party should make these decisions on their behalf. Once again, con men arrive, instill fear by telling stories about how providers will victimize the consumers and offer to save us all if we will only turn control over to them. Consumers are not victims and creating regulation to solve imaginary problems has never worked out. Contrary to popular belief, equipment belonging to a company does not magically belong to everyone once a lot of people make use of the service it provides. It is easy to see the stories about the imaginary monsters but much harder to see the great advances and businesses that none of us can see today that never get created because of short-sighted fear such as this.