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Ideally everyone could do their own research and we'd let the free market work it out, but unfortunately modern-day governments are in love with over regulating and over complicating anything and everything. As a result, they hinder and slow down innovation, technology and business. The most recent example of such is with the SEC issuing a press release yesterday regarding ICOs which provides (some- unfortunately it provided more questions than answers) clarification as to how they are applicable to security laws and regulations. You can read it here: https://www.sec.gov/litigation/investreport/34-81207.pdf. In a nutshell, they determined that the DAO, a failed Ethereum ICO that ultimately caused Ethereum's hard fork into two chains (ETH and ETH Classic), was a security which was applicable to SEC's laws and regulations regarding securities.
A lot more here: https://www.decentralized.tech/blogs/icos-are-all-icos-securities-my-take-on-yesterdays-sec-press-release