People who didn't circumvent the obvious spirit of the rules while complying with the letter of the rules are pissed off that there exist people who did just th

People who didn't circumvent the obvious spirit of the rules while complying with the letter of the rules are pissed off that there exist people who did just that, saved a bunch of money doing so and have an presumably clear conscience. While I understand why these people are annoyed I don't have much sympathy. Always read and understand the fine print. Always read and understand the rules. If X is allowed and doing X would benefit you then you are shooting yourself in the foot by not doing X. If the people writing the rules don't like it then they have the power to change it. And no, I didn't take advantage of this but I knew of the loophole at the time, wish I did and I'm paying for my laziness every month.