Also, is Joel an official Tradehill employee? If this wasn't speculation regarding the negative balance, why does a non-employee have insider information regarding their situation with Dwolla?
It's not that difficult to come up with that on your own.
You need to realize that what TradeHill did was for your benefit, not theirs.
Let us say I am a bank. I have thousands of customers who use online banking for a variety of reasons. One day, as the CEO and decision maker for the company...I decide that to protect my users I must disable online banking as it is too easy for people to be keylogged and have their accounts hacked into.
So guess what, I am going to just pull the plug.
Oops. I just lost a large amount of business because my customers relied on online banking, and had no notice to prepare for the change. I know if I was a customer and that happened to me, I would be extremely angry at the bank and close my account the next day. Personally.