nobody should patronize those who newly have opinions about third party evaluators. non-experts forming opinions fast is part of the american tradition. the constitution itself was, in a very important sense, vibe coded by 20 somethings with concepts of a plan.
but newbies being fleeced is also part of the american tradition. “caveat emptor” is a provision of a contract signed by an adult, not some god-given right to be treated as something other than a little child. you will be treated as a child no matter what.
you are the buyer. it is your job to beware.