Your point is well taken that there is no proven causal relationship between HDl and cardiovascular risk. Yet, for some reason people with lower HDL or higher Total Cholesterol/HDL ratios tend to have higher risk. The question is: why? A plausible hypothesis is that HDL is simply a marker, perhaps analagous to the C Reactive Protein or homocysteine stories. But, the hypothesis I think is well worth researching is whether genetically determined subtypes of HDL are behind the confounding data. If some types are cardioprotective and others are harmful, then we could certainly design therapies accordingly. I think it is time to let this thread rest.
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