Sorry Bruce that is not correct. The complaint is that they pay 1%...they do not. The taxman will refund most of the fee. The fee belongs to the individual not the taxman or any other collection of individuals.
support each other if the fees exceed what you've squirrelled?
I understood the poster was referring to legal action being taken by an individual and running out of money for the lawyers fees. You are suggesting something else…perhaps an association or something.