You keep saying superficial intelligence...I don't think it means what you think it means
Was borrowing the "pal" from tat, not sure if I like it though. Sorry if I wasn't clear regarding suman; I meant "ignored" as in avoided paying him points on the schedule repeatedly promised, not trying to say you werent actually talking to him and making those promises. But you've done better in that regard, by only taking loans with less strict payback schedules...even if they do end up having harsher terms.
That's the neat thing about "facts"...they're only facts if you can show they're true. For example, your claim that I got out of the lending business because of guys undercutting my terms doesn't seem to be true; to the contrary, my terms are even more standard now than they were before, and as anyone can see they're not as harsh as your loans which you're moaning about. You bringing new lenders in didn't affect the points forum much unfortunately, as they only lent to you (and as they were the only ones who WOULD lend to you) and didn't exactly get a good lender experience out of it...since I wouldn't lend to you and they didn't lend to anyone I would have, how is that supposed to affect me? If anything, the few posters who had to get loans when you didn't pay back in the time expected generated a few extra loans, which I'm sure their lenders are somewhat grateful for.
As for meaningful profit...I know I've said it before (as have others) but you don't seem to actually comprehend it:
there's no meaningful profit in lending points. It's a hobby some of us enjoy for several reasons (just as you enjoy running huge point balances up and back down to zero I guess), but like just about everyone else who's never done it, you don't seem to understand the losses involved....which seems surprising considering the borrowing experience you have. As for stopping...I've wound down a bit for unrelated reasons, but I've lent about 27k since you started "bringing lenders into the points forum". Hardly what I'd call stopping, and a sizeable amount that will cost you a fair amount of real money to buy.
I borrowed points from tat for the same reason many do: because I'm capable of generating points with points (mainly in poker, my sports betting has barely broken even this year). Not everyone is of course, but it beats coughing up real money if you can do it.
When it comes to donating, I prefer to do it to organizations of my choice on my terms (as do tat and several other of your "buds")...but don't let that get in the way of whatever insult you were trying to string together.
As it turns out, there ARE several good reasons why I've wound down lending....more accurate to say that I'm pickier than I used to be, that I haven't even made time to update interest on outstanding loans in months, I made some bigger loans which are slower to be repaid, and because I cashed out 30k or so instead of lending it. Unfortunately for your "facts", none of the reasons have anything to do with you...but you've always just assumed things first, then tried to find any information that might support your assumptions. You're not alone in that category unfortunately, but you show an unusually strong resistance to learning.
Hope for your sake you actually follow through and take a time out from this discussion til after your wedding...no doubt it'll get you all spun up (as reality always seems to do), and it's probably better to just focus on the once-in-a-lifetime stuff. You've ignored this stuff for so long, what's another couple weeks? Just rollover your bonuses, buy points, pay loans and give history time to become history. Enjoy the wedding and honeymoon (if you're doing it now?), relax a bit and then come back to this crap if you must....or better yet, come back when you're ready to settle up and put this crap to rest.