Well, I look at it this way: Let's say you "invested" $10,000 in some entity that had no collateral or equivalent to FDIC insurance.
And let's say you're hearing a lot of reports and seeing data that suggest the entity where you deposited said $10,000 is getting weaker and weaker, and if they go under, you lose everything.
You CAN pull your money out now, but there's a $300 "early withdrawal penalty," sort of like a 3% surrender charge.
Do you eat the $300 fee to ensure the safety of the rest of your money? Or do you stick it out and hope for the best, knowing you could lose it all?
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)