VenylRipper, I haven't read the complete thread (too long), but I like your attitude somewhat.
Too bad that you are obviously situated in North America, as going bankrupt for medical reasons and being treat with hostility for "socialist" opinions is a very specific U.S. problem.
Not only "wrong" place to live, also wrong forum to utter audiophile scepticism!
I don't set out to create conflict but I will give as good as I get if it comes my way. An old Marine Corps saying is "the best defense is an overwhelming offense".
Honestly, my views are not strictly socialist but I shall not speak of them since I have already been cautioned about being "political".