Enough with the idiotic hyperbole!! When you threw your money at Urban, did you have a contract that said how the money was to be used? If you did, then why didn't you try to enforce it? if you didn't, why is it the SEC's job to protect you from your own stupidity. Urbies is a crook. he'd ben a crook for a long, long time. The bashers exposed him many years ago and many times over. I came to the party late, but janice & others had this pegged in '02/03, I believe. You didn't listen then and you are not listening now.
You made an absolutely reckless decision with your money. If you drive recklessly and total your car, is that fault of the police? Maybe the car maker? You invested recklessly, ignored all the warning signs and red lights ... and lost. So what? Life goes on.