Yeah, I did have that thought as well. Maybe it was just a flub. The problem with the manipulation argument though is that it's costly. Having once worked for a big bank, I highly doubt anyone would get

The status ceilings and contribution limits were an interesting idea. They used a formula to calculate the maximum contribution for each ceiling. I think it was something like (limit - contributions) /

This could have been manipulation, but I think the most likely explanation is trading ignorance. I've seen it so many times where people just bail with a market order. There's money to be made by training

I hear what you are saying and mostly agree. But, at the same time, you have to expect that people will be disappointed when a service they use (albeit a free one) fails when they are used to it working