those people who has taken the credit in bank - lucky! it will be it the cheapest lesson in life. How it was possible to be such naive? This your own decision - to take the credit. Investments always bear with themselves big risk. Let your wife remind you this case more often. You very much were lucky! I hope you remember for yourself this remarkable lesson! 
Agree graph chart does not help lot but without this tools i dont thing that new investors like to join HBC. Better idea would be if they first add graph and then launch campaign. But they still keep promising and do nothing ...