Mercman, whilst I agree with you regarding the commission vs. no commission argument, I feel it is really down to honesty and competence. I can educate myself about commissions payable, I can check the qualifications of the person but unless I receive a personal recommendation I may have no idea of the honesty of the person I'm dealing with.
You could say the industry has rebranded itself over the past 20 years albeit rather slowly and at that by enforced regulation, consumer protection guidelines and industry qualifications but your personal experience which is echoed by many many others illustrates how little progress we have actually made.