DP - agree wholeheartedly with the content of your last post.
Wingswinger - I've said it before and I'll say it again - the folks signing up to these exploitative deals are JOINTLY responsible for the continuation of such schemes and therefore, the continuing downward spiral of ALL OUR Ts and Cs . If you are unable to accept that well, there really is no hope. If you are UNWILLING to accept it, well, take your head out of the sand. Sorry, but that's the way it is.