WHY I DO THIS.....
As my profile mentions, I am a Conservative. And a Southern Baptist. And definitely a Capitalist. BUT, my idea of Capitalism is NOT Ripping People Off!! And my idea of Christianity is definitely NOT 'talking a pious talk and at the same time deceiving people and robbing them'! Nothing ticks me off more than people who take advantage of other people! Just because somebody doesn't know any better, doesn't give you the right to take advantage of them.
As the incomparable John T Reed said "It is unethical to sell an investment which is unsuitable for the purchaser. An unsuitable investment is generally one which requires more sophistication and ability to lose money than the investor in question possesses."