over the top

[addy]

Pretty much, yeah. It's easier for companies to be protected than individuals. Around here there was a big stink a few years back, an educational plan company folded up and declared bankruptcy. It ruined many families. Lots of kids had to drop out of school, or lost their best chance to go to college. Of course, the folks who owned the bankrupt company are still filthy rich themselves, and have dozens other companies and assets worth millions. But by law they only had to do the barest minimum as recompense for the parents who scrimped and saved for the plans.