Guillermo, I'm with you.
Powder, DNS, you know just as well as I, just because everyone's doing or thinkin' it doesn't make it right.
Funny thing is, if all the people that thought like myself, guillermo, and a lot of other people who have voiced their opinions on this thread, had always put their money where their mouth is, you guys would be on our side, because 'emotional' (read honorable) business is what would be selling.
Instead we've rewarded unsporting and dishonorable conduct. Now, a lot of those companies have grown large enough to create gov funded monopolies and no longer need our support to act as badly as they wish.
Walmart and banks for instance. :-(
Also, you can't blame all the smaller companies that have crappy policies. They hire people to make their policies who have been fed this load of BS at school. Some of the BS is created to stifle competition (by requiring artificial overhead capital to enter a market), and of course the lawyers love scaring you to death too.
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Sent from my tablet. Please excuse my brevity, spelling and grammar.