'Caveat emptor' applies to all - not just the hoi polloi
The old Latin tag "caveat emptor" or "buyer beware" is a fundamental axiom of capitalist societies and should be the default position of any sensible government.
Somebody buying an important product such as a mortgage should ensure that they understand what they are doing. After all, the idea that mortgage costs can vary because they are linked to central bank rates is hardly radical or obscure.
While this is true, it is only part of the truth. Banks and other financial services organisations are notorious for making small print impenetrable. They are also notorious for repeatedly breaking the law by robbing customers and helping customers to rob the State.