Yeah I get what you mean. Especially on the usability factor. But I'm not willing to put £30k (26 now) at stake for the sake of using an app.
Also, if anything was going wrong. They wouldn't tell you. They'd just shut the doors and leave you in the lurch until they either sorted it out or went bust and disappeared with you money. I'm wary of them.

Thanks for the feedback though buddy. I really appreciate it. Opinions are what I'm after.