Any FTO's in financial difficulties should be honest enpough not to take money as pre payment for any services unless they can provide cast iron gaurantees that the money will be ring fenced ( in most cases this is not possible).
Pah...b@llocks. I coughed up my £95 for my annual membership at one place, next week it had folded. Never did see that money again. What about protecting potential "investors" hmmm....? I'd say that was tantamount to theft seeing as someone KNEW the **** was going to hit the fan...how can they not have known?