Correct, but you take a risk when doing business with any company. You find ones of good repute, you meet with representatives. Usually, it's noticeable if a

Correct, but you take a risk when doing business with any company. You find ones of good repute, you meet with representatives. Usually, it's noticeable if a company is really struggling. It is not the job of the state to make business transactions risk-free, only to provide courts for the adjudication of fraud and breach of contract.