My intel suggests the Skyborne marketing juggernaut has persuaded a significant number of students to part with most of their course cost upfront which might suggest very few people are reading this forum anymore and our efforts for PAYG becoming the industry standard are futile.
I recall the common saying after the banking crash, "the bigger they are the harder they fall", or when it comes to government having egg on their face (USA for sure), "too big to fail".
Personally, I won't have any sympathy for those who lose their money, there are plenty of warnings out there and their have been for quite some time. The student(s) who recently were persuaded to part with all the money to FTA for a 5% discount must be feeling sick, and if I was one of them I would be camping outside the owners house making his life miserable at the very least.
SJ