Armchair Critic: Value - who creates it and who destroys it?

Debates on value often become side-tracked into red herring country where value is counterpoised to price - however, they are inextricably entwined as ‘value is benefit divided by price'. I first heard that during O' level economics and it still holds good. To market on value, therefore, you must factor the price into your proposition. In the benefit, price and value chain there are many links - but the three main ones in this market are adviser, product provider and platform. Not always but often. The first two were here first but that does not give them a pre-claim on the consumer's mo...