@Writer...your intentions seems good but scare people, some of your comments are not what people do day to day life. Like people needs to know bill amt and service they get, but who the hell reads all the service contract. Not using ss , credit card no , over phone and Internet is not practical. Personal fund raising is not illegal, it's not true that only 501 c can raise fund, but those doners can have tax advantages. If you intent to write such article , write it clearly or don't write it.

No info is better then , wrong one, at least they will be motivated to research and find correct one