Wait...I didn't judge them on ANYTHING here! I'm judging what you suggested them to do.
Man...did I just walk into some alternate universe or something?
All I'm saying is don't involve HLJ in this. This should be between Amiami, Arcadia, Paypal, Credit Card Company/Banks and their customers. HLJ has nothing to do with their situation right now. That should be easy to understand, I hope.