But then you will usually pay for MLS/NAR and you'll need to hang your license with a brokerage with fees as well (which are dependent entirely on the broker). 

I know NAR does.

NAR could also play a part helping set standards since I imagine there are a lot more end homebuyers getting scammed than investors.I recently wrote hereabout a buyer that successfully wired $2.4M to the bank of a scammer after receiving an email spoofing his agent.

MLS is owned by NAR, and you have to be part of NAR by joining a local real estate association.

Hey @James Narlis there are great programs for first time homebuyers in NY including down payment assistance for 1-4 unit properties.

I'm thinking about finding a broker who will allow me hang my license for this one transaction, without having to spend money on NAR/CAR fees.My other options would be FSBO with a lawyer/TC or something like redfin.What do you think would be the best course of action here?

If your financial advisor is a licensed broker in the same state the agent is, he violated the NAR code of ethics (which is codified into law in most states).But regardless of that, your agent is the procuring cause of the sale if it happens.

This is red tape from NAR.

I am trying to make heads or tails out of conversion rates according to the quote from NARS, the conversion rate for agents is 0.4-1.2%.

When you belong to a trade org like NAR, but back candidates that push these overtly hostile changes on to your only customers (people that buy/invest in property) you should not have to use the realtors, or be pressured in any way to let them be involved.