I don't think these abuses will continue.

The bright side is you're getting good companies at a fraction of the cost.

There's no Plan B. So you're a little more exposed.

The longer you leave it in checking, the more likely it will vanish.

If your mind is clear as to what you are trying to do, if you can say what you want out of life and make your money move in that direction, you will be happy.

People make decisions that undermine their goals every day.