> On the one hand I don't think there's risk of losing money with something like this, they kept the money in a third party broker and it's SIPC-insured. But it's probably good to have some humility and admit that even for me I'm not 100% confident, these rules and systems are hard to parse.

Oh for sure - I'm sure they did. I just still wouldn't want to bother with a turbulent company and having to migrate assets from working with a company that has less of a reputation.