This is worth saying just because it is:
We had a 4 page discussion on "cash in trade" in one of my HBD worlds. It's been a hot button issue since the inception of HBD. Opinions were expressed, ideas were exchanged and no minds were changed. However, unlike this forum, it didn't devolves into a name-calling extravaganza. How you express yourself with a dissenting opinion matters. So, those of you griping about a "toxic forum", think about how YOU respond. Or, maybe, if you even should.