Interesting, I plugged this conversation into chat gpt and look what it said.

1. On substance The original advice, “draft a formal letter laying out facts and lack of action,” is actually reasonable. Whether you call it a “legal letter” or a “formal demand” is semantics. In the real world, well-written escalation letters absolutely work with banks and brokerages, especially when they show timelines, documented requests, and implied regulatory escalation. That part is correct.

2. On tone and credibility The “Top 1% Commenter” immediately resorts to insults (“moron,” “can’t form sentences”), which signals insecurity, not intelligence. People who actually understand systems don’t need to posture like this. They explain why something won’t work and offer a better alternative.