The Coase Theorem says that without extra costs, the market decides who gets what. But if one side can make it harder for the other side to claim their rights, things change. For example, in selling your financial info, someone could mess with the rules to their advantage. Sometimes, this might not stop a fair deal, but other times it can. In such cases, it might be better for you to not have those property rights in the first place. The paper gives examples showing how people can make it tricky for you to assert your rights, especially in buying financial services. It explains how regulators tried to fix this in the past and offers a different idea to tackle the issue.