If people cannot look at a annul return time frame - Very true.

The final nail in the coffin? Maybe, mate.

(but I'm not responsible for the other 720 nails hammered into the coffin, previously...)

I'm coming to the conclusion (over this last 12 months, really) that it's just not a sustainable model.
Which is a pity, IMO.

...At least my very rough proposal will change the dynamics - because one thing is for sure - they ain't working as it is.