I've been living in ginormous game engines for 6 years, and the amount of times I've had to, in the span of a timed half an hour, optimize a routine to make sure it was running in the optimal time has been....zero.
Do you happen to work for EA? That would explain a lot...
You might as well ask the wino on the corner to hold onto your money, because he's about as accountable if your money goes missing.
I'd argue the wino is an order of magnitude more accountable because he is a real person. These exchanges are nebulous companies which have no actual humans directly responsible.
Stellar rays prove fibbing never pays. Embezzlement is another matter.