I'm not even sure the reason the haters are so hungry for their narrative to be true. If someone doesn't want to do one of these things just don't do it.
We are adults that can hold ourselves accountable. If any of the programs I got involved with fail I am at fault no matter who referred me or whos videos I watched to get me there. I know the risk.
Myself or any body else out there do no need protectors, especially when they have absolutely 0 facts to back their claim. Most of these people do not seem to know what the word proof means any how.
Now, if people stop getting payments, or the site truly goes down that is something worth mentioning.
Jumping on it when it doesn't work right for 45 minutes and basically saying "Ha look I told you so" in some way doesn't help any body. Every site has trouble now and then.