I'm not a lawyer but I do think that knowing the basics of day-to-day law like you said would actually be really nice. Maybe it would have helped people who were signing up for extremely risky mortgages around 2007 to better understand their real contractual obligations for re-payment, at a time when the banker they were dealing with was probably failing to highlight the fact that the payments would dramatically increase beyond the introductory period? I'm just speculating.