I did neglect to consider the debit card availability to 99% of all checking accounts so you would seem to be right for all intents and purposes. I do not think that an 'intentional kill the stockholders' will happen personally. I have been in for three years and intend a long haul myself.
On an aside I think Mike was too available for a while and got very sick and tired of nitpicking and 'helpful' suggestions from too many people that did not really see what he intended or wanted or could do with available funds, so he clammed up. Just my opinion there.
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