Fins, these are people. They even show up in this forum and do the best they can to engage with disgruntled users. They have taken risks. They have busted their asses. Some have certainly lost a whole lot of money ... and most of their hair. As far as I know, they are honest, hard-working people, passionate about the community they serve.

These are decent human beings you so gleefully demean in a forum of peers.

Ah well, I guess you're fortunate to have never had struggles of your own, never let anyone down, never disappointed yourself.