If a 3rd Party shouldn't have the power to say "yay" or "nay" on a product, then who should? Does this mean that we need a truly independent regulating body who makes its money elsewhere?

If I understand what's being said, SFI is just a "club" - pay your dues and you're "in. Therefore, any certs such as from Snell, SFI or FIA are bulls**t and that they shouldn't mean anything other than the manufacturer has paid their "dues" and that the products have been rubber stamped.

Just food for thought...