Hold on a minute, let’s not jump to conclusions.

I didn’t come from RH, I’ve never used it. I also transferred a significant sum of cash along with my account transfer, and sold a few positions into cash after my transfer was complete. The $40K margin was representative of a portion of my total account balance, but not an overwhelming difference like the 50-100% example you laid out.

How hard would it be to have just a “total cash balance”, and/or a notification that lets you know that a pending order would require margin to execute?

The answer is it would be incredibly simple and intuitive. The fact that ToS chose not to do that, and not to give any heads up at all, is what I’m contending is the issue.