The government should create mandatory protection for any investment or business purchase made by a person who is investing life savings or the family home.  If the investment is being made by an over 45 individual then this advice should be free but also tax deductable for every one.  Independent banking and legal advice should be mandatory to identify possible loopholes and problem areas in any investment or business purchase where life savings or the family home is put up as collateral for bank or other loans.