You're right David, it's up to the individual to decide what to do with their money, but be aware, IBZT will eventually have it's registration revoked, forever.
You'll never see another financial filed, but if you did, I suspect you would see the same as always, they were selling products, and even their meager services, well below their cost even before adding in all the other expenses.
I very much doubt that IBZT et al will oppose at the administrative hearing or even show up.