On this issue I honestly blame the government. I only put in a couple hundred bucks because it didn't think it would work but it was worth a shot, I didn't expect the government FUD. They "protected" me out of $200. My house is paid for, I didn't bet the farm, and those that did I feel sorry for. Every time I put any money into anything I consider it gone unless and until I realize a profit. People need to be accountable for their actions. Class action lawsuit means lawyers get paid and the rest of us get a check for around $10. Learn from the mistake and move on.