Wa yea. 正達, long time ago history.
I will think that lot of investor just opened the ac without looking all the terms and conditions. The case is similar to minibond (the minibond case is even serious. The bond bought link to Lehman credit, so your notional should be lose when it defaulted. Finally, the bank is willing to pay back the notional but the investor even want to argue for the coupon.) This is ridiculous. The only point valid is that the agent is misselling and provide wrong information but the investor should read the detail before entering the deal and think where the value come from.
Just a personal thought.
Anyway, always be reminded think and read detail before doing investment, and no free lunch in the world (even if there is, there must be other genius arbit it till the lunch is no longer free).
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