No, but you also shouldn’t assume that I’m not. You should exercise reasonable caution around me (and anyone you don’t know) instead of dismissing any possibility out of hand. I might invite my friends down to my basement. Without any evidence either way, you should not automatically trust me the same way.

Ergo, the “possibly” part of my statement. There are definitely laws that cover all sorts of things about disclosure. Ever wonder why those license agreements you see when installing software include sections in all caps? Disclosure laws that have specific requirements on what qualifies.

I also think you encounter more trustworthy businesses than I do. So many are trainwrecks behind the scenes. A couple years ago, I ate at a pizza place in Detroit. They charged a credit card fee that was not disclosed, at least not somewhere that any of us noticed. We are also the type that looks for these, and makes decisions accordingly. Was the fee itself legal? Almost certainly. Was the disclosure compliant with relevant laws? I doubt it, but I have no idea what’s required there. Western Digital openly ignores federal warranty laws. Most small business owners really have no idea what they’re doing, and will copy what they saw somewhere else without understanding it. I wouldn’t assume it was disclosed as required under local laws.