> 1. could be automated completely, removing the need for human cost in the process

Automation fails. A lot. There will always be a need for humans to address at least some of these cases.

> 2. should be created for all other industries as well, not only finance consumers

Adding to the list of things the government doesn't do (removal of the CFPB without an alternative) doesn't achieve this.

The FTC still directs consumers to the CFPB. Might want to call Russ and let him know.