Thanks for the thoughtful response but I definitely do not appreciate some of your comments.
A lot of your assumptions are based on what you speculate. Time consuming? Credit card fraud? Smarter people have better ways? All of these are guesses on what you perceive but I have shown to you that none of these apply to me. I am no fool, and I have no reason to compare with anyone. This post is to help others that are not as fortunate as I am. Very poor assessment.