Wow, didn't expect to find such a detailed discussion on this topic! I've learned a lot from reading through the comments. The community here is really knowledgeable.
I've been a member of this community for a while now and I must say, the quality of discussions has really improved. Topics like this one are exactly why I keep coming back.
One thing that people often overlook is the importance of reading the terms and conditions carefully. I made that mistake once and it cost me dearly. Always do your research first!
