Sebi blow for MF distribution biz

The original idea was to save cost for the customers which is completely lost. SEBI has succumbed to AMFI's greed. AMCs now don't have to manage commissions and inentives from their TER but will keep the full TER to themselves which they will hike for sure. On one hand advisory fees will be taken from the customer which will add a big cost to customers especially small investors and on the other hand they will have to bear TER as well which will go higher anytime AMFI decides. Previously by paying 2.5%, investors used to get advise and distribution both but now especially small investors will have to pay 8-10% for both. How does SEBI justify this cost. Now let's suppose small investors will go to AMCs directly and take advise from their employees(who are not RIAs) will SEBI punish them as well. Does this rule apply to distributors only or to manufacturer also. Should AMCs not be punished if they sell the product directly without any solicitation to investors? In fact a ULIP product will be cheaper than mutual fund for small investors and the sale will atleast be solicited and not unsolicited.