I know there is no magic pill and that this will require some grit, but I want to make sure I am not one of the people you described above. :) I love this community, it has been so helpful and I am just getting started!

If he proves to be reliable down the road you can re evaluate the trust factor.Trust no one who takes pain pills and lives on a boat and "needs the money". 

There is no magic pill, just hard work.Welcome to the KW family!

I can understand the concern because of the odor, but your question did not include smoking marijuana or taking marijuana pills for medicinal purposes. 

But any wealth I still have at that time, provided I didn’t spend it all on $1000/pill prescription drugs, is going to micro-loans or some other place where at least 90% of donated funds will go to recipients who really need it.

v=te6qG4yn-PsIf you think these sales people really have your best interest at heart, take the blue pill

Choose the red pill, or the blue pill.

My estate is in great shape, bullet proof and even has a nice "poison pill provision".

There are no magic pills to solve the problem as far as I know.

Pretty much the same here with the CFBP, politicians tried to block it at every turn and not fund it, I'd say the financial industry is accepting the bitter pill and in return they get some protections and new benefits.There are billions of dollars in seller financed transactions, much of it now must go through servicers and at servicing rates that only a bandit would charge.