You are the captains of your own fate ...I should know better. The obvious negativity here is echoed on almost all PM stock BBs. It is old as the hills and will never end until drowned in a sea of rising tides. Paid posters get pretty crappy $ that's for sure ... but they never quit ... they turn over handles and personnel like flapjacks at the Calgary Stampede.
Why post here if all you can do is continully make negative suppositions and dream up guesstimates of what could go wrong? Why not go out and get yourself some Goldman Sachs or just buy the Canadian Banks? You want guarantees? There are none but we all know that.
Good luck!