Why I only trust my CASH in my own pockets. I hate banks and anything accociated with them. See now, I do not get caught up in this crap either, only because for the sake of a "healthier" economy and good common scence, I trust cash only (and money orders at times). Unless someone would like to kill me for my money, nobody is gonna rip me off like this nor in the form or that nice percentage rate that the banks like to add.
All in all, I feel you deserve to have your money taken if you trust to place it in a bank. Just the way the world is man. Put it in your pocket, after all you surely worked your arse off for it, right? Why let everyone else take it?
Just my 2 cents (After 2.9% APR for 60 months)