GRICH, there are others, such as PACO, who are in a similar position as Alex to help these poor individuals. Personally, I'm not in a position to offer a free ride but I can certainly add a deal of financial understanding to individuals who are tens of thousands out of pocket. Yes, some may view this as me behaving like a vulture but, at the end of the day, none of us are charities.
The reality is that the industry has a poor buisiness reputation. Those of us who are fortunate enough to be in a position where we can deliver, with financial security, have a duty to improve the industry's reputation.