As mentioned earlier in the thread but others, opt-ins were an asset-deal with Qenta, so the responsibility lies with Qenta. Receiver is only responsible for opt-outs.
Since opt-outs are with a government appointed receiver, there is less risk and︁ the chance of recovering (some) money is more likely. If Qenta collapses, opt-ins go to︂ zero.
Of course, bad decisions have been made by many depositors.
1. Martin has sounded︃ the alarm on the bank many many years ago, before any of the bank's wrong︄ doings came to light. Despite this, lots of people in the cult of Schiff still︅ told us Schiff is an upstanding selfless man who only looked after the interests of︆ others and not himself.
2. The "bank" was never insured by the FDIC, which was︇ a huge red flag. Remember when Schiff would brag on his podcast about the moral︈ hazards of FDIC and how his bank was better and all that? Then when it︉ collapsed, it turned into: well depositors knew the bank was not FDIC insured, so they︊ took the risk and sometimes things in life go wrong, too bad.
