Yea -- Agreed. I think that sort of situation is mostly about a lack of options, or a lack of foresight. It's pretty obvious that the amount of money you can get from a short term thing, and the amount of time it takes to get it out, and the amount of effort it takes to build.

When I first started I thought this would be a great source of working capital for my art business, but I'm seeing more and more that it probably works better as a long term deferred payment / investment account.

People need to successfully long term plan, and secure funding elsewhere so they can let the investment account accumulate and mature -- .

That's for sure.

Thanks for the comment.