You're just full of it today.
An attorney is an expert on legal matters. But an attorney can not bring that legal knowledge to bear in advising a client about a contract until the client provides the attorney with a copy of the contract in question.
Nor can an insurance agent or financial planner advise a client about an HRA or RHRA until they can see the details of the HRA or RHRA in question. If the client is unwilling to help the agent or planner in obtaining the needed information, that would suggest to me that the client has not been sold very well on the value of the agent or planner's services.
Big difference in those situations, If someone goes to an attorney they are usually in need of help, Probably something going on they need correcting right away or they, believe have been wronged and are not risking losing subsidy by going to them.
Someone actively searching for info in HRA or RHRA are also going to commit to much more info and process
People on retirement benefits are more concerned about what they will lose and already have in their head that the agent could try and make a commitment not caring about what they lose in the way of subsidy.