"My point is that you can actually reduce it all to dollars."

I'm not sure. A couple of points:

1) The regulatory landscape is enormous. It is unknown from which angle regulators will "slow you down."

2) As I mentioned the regulatory frameworks in this area are evolving very quickly. It is unknown what the regulations will be in 1, 2, 5 years and how that will impact your business.

> The regulatory landscape is enormous. It is unknown from which angle regulators will "slow you down."

That's not true for people experienced in the particular industry. Others can find a lawyer that will give them a good picture.