No one is forcing you anyway. 
It's up to the user if he will take the risk or not. And it's your money, so no one can dictate on your decisions.
I agree with you. It's up to the user if he will take the risk or not. And it's your money, so no one can dictate on your decisions. No one is forcing him, i think he should rather join the race early to benefit from this opportunity
rather than to say he's out.