I agree with everything you said in your post. However, if someone's life was "ruined", it's because they put a high percentage of their net worth into one single investment trying to strike it rich quick. Sad...but true. It's not Brad's fault...or Ray's fault that they made an emotionally based decision without looking for logical justification first.
Therefore, it cannot be said that RSMI ruined someone's life. That person has the BULK of the responsibility.
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