Lol, a little uncharitable, though I get where you're coming from.

I never trusted any money with any of these companies because i always thought the risk was being vastly underestimated.

I'd bet there are people in certain situations where the chance to get a bank wire as a loan against BTC capital was very practically tempting (due to the disgraceful immoral AML regulations, mainly).

I don't look down on them, but it was and is a massive risk if you actually care about that BTC.