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In Victoria at least, where Government inertia allowed illegal ride share operators to ruin their businesses and livelihoods, at least they received a tiny amount of compensation. In the financial services industry where Government inertia allowed insurers, banks and superannuation funds to offer junk insurance over the phone or net, through high pressure sales techniques and hopeless default covers, the advisers (and their small support teams of humans who care) who operate their own small businesses, get nothing but depression, anxiety and financial insecurity.