You are of course correct, but there is a third plan:
Good luck explaining any of this to the "where's MY money, which is in MY account" crowd.
Good luck explaining any of this to the "where's MY moneyGuess what dipshit it is my money. I don't and didn't have any control on what or who they spent it on anymore than you.
They sucked it out of my hand and I had no choice. So don't get all holier than thou blaming me for your woes. I paid against my wishes, THEY spent it somewhere else...It's still MY money dimwit.
I was going to write something similar but you beat me to it. Good post.