It isn’t my damn opinion. It’s you being pissed off that somehow things didn’t go your way and you feel slighted by it. It doesn’t matter what I say you aren’t going to agree about anything the industry does as it somehow screwed you over. Ergo in your mind: system is fucked.
I already pointed out every plan provider has set windows for record keeping and to ensure adherence to plan guidelines. Additionally many record keepers have moved away from manually based to digital and ensures multiple checks. You countered you didn’t get those warnings therefore you were screwed over. You also stated someone at the record keeping side screwed up not you.
Plan guidelines aren’t going away. It’s never going to be the wild Wild West. Accept it.
