The most recent thread about a school going bust and losing the punters their money was started long after it was first "posted once in big red letters", which was years ago now. It does need repeating from time to time, and the fact that people lost money when that most recent school went bust is clear evidence that it isn't repeated in big red letters often enough
Repeating in parrot fashion the same piece of advice, aimed at the same person, in one thread, is too much. Sorry but I'm not wrong about that.
The fact is not everyone visits PPRuNe before making decisions about spending money on flying, so your clear evidence that "do not pay upfront" isn't repeated often enough here is looking somewhat murky. It's been mentioned too much now in this thread.