I don't know, but many are not. That's one of the things that keeps the lawmakers, both federal and state, so busy protecting people from themselves, more specifically, protecting people from their own foolish mistakes. It doesn't hurt the lawyering business either. Think about it. We have laws that protect consumers from all sorts of situations.
Laws protect home buyers.
Laws protect motor vehicle buyers. Laws protect a plethora of other consumer acts. And yet, even in our nation with its zeal for legislation and overregulation in almost every area, there's still no way to protect every person from every possible situation. Consequently, it's essential that people take responsibility for their own affairs. It doesn't matter whether you're dealing with an auctioneer, a lawyer, a doctor, a retailer, or you name it, the rule remains the same.