You do know investing in stock is a gamble - the CC costs are hardly the ones which have made a dent in your portfolio recently.
I too am sick of moaning Shareholders from various places eating up my tax money when the company they invest in goes bust and they cry foul.
Wake up - not everyone has the luxury of waiting for their stock to increase in value to retire - some people have to continue working for it and saving for their later lives.
There is work to be done on the agreements no doubt but how about being less venomous?