Finally, the flag clearly says
AND, meaning that both points need to be covered even if some thinks one point of it isn't valid anymore.
whirlwindmoney did not make the victims of this act roughly whole, AND it is not the case that all of the victims forgave the act.
Btw, I still got around $12 left on my whirlwind note but didn’t want waste anyone’s time for such low amount, so the victims weren’t all made whole.

I just skimmed over everyone’s arguments so I’m not changing anything for now (i.e opposing the flag). Will do a better read tomorrow and take a decision.
(I don’t mind the tag)