Yikes! No chance! I deliberately keep my business very, very simple. I buy and sell records and CDs. No one pays me anything at all until the mailer is full (which can take months) and the order is ready to go out the door. I’d not do business any other way. I also deliberately keep the Trade Account advertising facility absurdly cheap as not really caring if I renew an account or not is a good position to be in. I can cut traders loose without a second thought if I don’t think they meet the standards of the site (as stated upthread I have not renewed John Westlake’s trade account for several years now).
PS I should really stay right out of it as beyond basic hosting it really is none of my business at all, but FWIW my own personal view is that those of you that have invested so much may need to consider finding a good lawyer between you and get some proper advice.