Creditors do themselves no favours by treating insolvency as a difficult specialist area: it results in reduced scrutiny and discussion compared with other more mainstream-seeming areas, and inhibits a consistent approach towards over-indebtedness. The financial upshot for estates with assets is that Insolvency Practitioners can legitimately work at hourly rates with little effective control or meaningful feedback. The judiciary has always worried that restricting charging orders will cause creditors to use more bankruptcy petitions, but the statistics do not support this view. There is no scientific way to estimate the correct juxtaposition of debtor bankruptcies and individual voluntary arrangements. Serious consideration must be given to drastically reducing regulation for straightforward cases, and the introduction of fixed costs. Creditors would be free to spend time and money on cases they consider worthwhile, and it would encourage accurate statistics.