Bottom line is that you are suggesting that all things be regulated and licensed. Andrew Willkow did just this subject yesterday about labor unions shutting down ALL things you do for yourself now. Like mowing the lawn. You have to store gas, you have to handle gas, you have spinning blades, need eye protection, ear protection, have to keep the motor EPA compliant, If you are driving it, that takes a license. And on and on.
The insurance co would love to hear you say that NO ONE should be allowed to install a stove, boiler, furnace, electric heater for christ sake, without a LICENSE. I can see them requiring an energy audit, telling you what fuel you WILL burn, no solid fuels at ALL. The EPA would just wet itself if they could stop wood fires and coal fires.
I agree that a good dealer could offer insight and advice about the proper tools and equipment to set up a stove of any kind. But most of them are selling stoves to people just like us, they think they already know it all! After all, I would use a barometric to burn wood!
And I don't like masonry chimneys either!