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Thanks for clarifying the JS comment. Yeah, we need to learn all of those things. Then again, we are fully responsible for everything (BYOB; not your keys, not your crypto, etc.). On top of that each of us is a business owner and investor.

RE: ToS: I'm not saying everyone reads them at the time of application. They remain afterthoughts until we need them; by then it's usually too late. I'm only saying that we can't escape from them. Signing up shouldn't be a Faustian deal.