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VolAgent, I think we're on the same page. The people directly counseling consumers and business owners should have a level of qualification far higher than that currently required. I have been working with someone exploring a certification program that actually means something.
That is great, but it still doesn't fix the core problem. Although some might not say it is a problem.
It doesn't raise the bar for entry. Until you have higher education standards and/or a required apprenticeship period, nothing fundamentally changes.