That is a good way to put it. From seeing how these Gur guys/gals operate, they make sure they stick windfalls away, as they think everyone else in the world is a scammer like them, as thus have an EXTREME fear getting sued. They obsess about that pretty much 24/7.
When they get their Oprah Effect money, its gone instantly. (unless of course they are into cocaine, gambling, booze, etc, where the
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"Cults," Sects, and "New Religious Movements"