"government regulation of these organizations is staggering and a substantial part of the "cost of operation" is compliance with and documentation of said government regulations."

Doesn't surprise me a bit. But anyone who brings up reducing government regulation of any kind is automatically dismissed as evil or insane or stupid—as not even a human being, more like a piece of furniture that's in the way. This reduction of people to objects or abstract symbols has been one of the more ominous developments in my lifetime. The internet makes it worse because although our privacy is constantly being invaded we remain to some degree strangers to each other.