A new committee for simplifying insurance

So many flip flops by IRDA seems completely malicious. One day they increase commissions. Other day they form a committee to review the commissions. And now a new committee to review so many different aspects. And no representation in this committee of agent community means agents have to live on mercy of companies and IRDA but not have any say at all. What did sumit bose do? Where did he go for surveys? On what grounds has he recommended all the new regulations? How many sample surveys were conducted accross various channels I.e. Banks, brokers, corporate agents, direct selling channels, web aggregators and insurance agents? He basically went on Google and searched different countries regulations which we can do without him. The regulations and policies of all countries are and should always be based on the situation and ground reality of that country and not what other countries are doing. Who missells the products the most? Without a doubt everyone except insurance agents(barring few notorious agents). Banks are a hub of misselling third party products but they are getting more lenient with banks and giving them as much commission as an insurance agent or a mutual fund distributor. Raghuram rajan himself announced this bit still sumit bose recommendations are more important. This is purely because insurance companies don't want to give commissions and save cost and keep more money with themselves. Since orphan policies are never given to agents even after IRDA regulating that they need to be served and also give a token commission to new agent for that policy. Nothing has been done in this area but direct selling team goes and sells all kinds of crap to them. Banks...... no need to speak about them. They are the worst. The employees don't know I of insurance or m of mural funds bit they sell these products like anything. And we the agents have to pay for it by reducing commissions and portrayed as devils which we are not. If the products are not good, why IRDA allows the products to come in the market? Same with SEBI. Why do they allow coded ended funds to come out in the market if they are not good products?