> I'm asking a question, not making an argument.

Is it a loaded question? If you ask and I reply with a curt "no" and you vanish back into the ether without replying, what does that gain both of us as well as anyone that reads these comments later?

To your point, I'm both not a lawyer and based on what I've read/seen, no, they aren't breaking any laws. But what they're doing is overall very shady.

Fairly sure most of what banks did during the 2008 GFC wasn't illegal either, until we made it illegal. Robbing banks in Minnesota wasn't illegal in Illinois, either, until we made it illegal. Allowing the Titanic to leave with life-rafts for only 50% of its maximum capacity wasn't illegal either, until we made it illegal.