Refunds? Why would they take someone out if they are just going to pay it back? Also, who do you think moves these big board stocks so your 401k's can benefit... a bunch of retail penny stock traders? These people keep the market liquid if they get slammed, we all do.
"A system of capitalism presumes sound money, not fiat money manipulated by a central bank. Capitalism cherishes voluntary contracts and interest rates that are determined by savings, not credit creation by a central bank."
Ron Paul