SEBI plans discussion paper on MF expense ratio

SEBI has not yet come out with survey on how has direct plans(cheaper investment) has helped the investors to create wealth and regular plans(even when distributor commission was 2% upfront) has destroyed wealth of investors. So cheaper products are not always good. Also if this time expense ratio goes down it should be from.employees pockets(their salaries). They should be happy giving away a part of their salaries and also share holders should also give away part of their profits for the benefit of investors. Why should always IFAs suffer? Also banks and brokers should be banned from.selling these products(in fact all 3rd party products) because they are misselling hubs. I do not understand why SEBI, IRDAI and RBI allow them to sell theme