[simonh]

I don't see how I can concede a point I never contested, but ok.

>> I don’t want to devalue their savings.

>Hallelujah! I do presume this means the /kind/ of savings or /where/ it's held is immaterial.

It's absolutely material, but it's their choice not mine. If they choose to invest unwisely then that can have unfortunate consequences (assuming no crime was committed, that's a different question). Can I guarantee the savings of people who unwisely invest in swamp land? No. Do you think I or anyone else should? So of course the choices people make matter, and have consequences.