I couldn't agree more Paddy, and the constant daytime TV ads designed to get frail minded pensioners to "invest" should be investigated too.
Some of the small print is not on screen long enough to focus on, let alone read, and at no point do they explain that while you may get a "gold coin" it's value is vastly less than that of the sum you are paying for a "limited edition 'commemorative' coin".
Worthless POS would be more accurate.