This was far worse 5 years ago. If you want to criticize management fine. Bad decisions were made 2005, 2006 , 2007 etc. They have made the best of the situation they have been in since 2009. None of what you describe could have been changed in the last 5 years.
This stock has gone from 12 cents to over 2.00 on the pink sheets. Fnma , fmcc, General Growth properties were also on the pinks just to name some off the top of my head. Until the uncertainties are removed , the regulators would like it to stay there. This gives you and others the opportunity to buy low and sell high. That's what investing is all about! Stop complaining!