On a more serious note, at the international level non-governmental organizations have, for example, come up with simple checklists and guidelines aimed at personnel in developing countries to help them understand bilateral agreements on investments. These guidelines are on the order of tens of pages, not hundreds, and they have proved to be very popular.

The difference here is that NGOs are many and in competition with one another. If the advice they give is not useful, they will quickly become irrelevant. When the government, a monopoly gets it in its mind to do something like simplify mortgage agreements, they have little in the way of competition.

In short, the counterfactual if the government does not get involved is NOT that nothing will happen, but that civil society will probably step in and do something.