Reminds me of the time back in the seventies when container salesmen were coming round the Gulf getting guys to invest their savings in shipping containers which were then leased to a shipping company. "Cash in any time", they said, "You will get your investment and profits straight back", they said. Truth was when the unfortunates who had fallen for it tried to cash in all they got was a "Oh, sorry, yes your containers were lost at sea, did you have them insured?"