I too am sorry about your experience, PeiMai. It's kind of like my experience with the Red Cross. Back in 1970 (the old days, lol) my dad, who was in the Marine Corp,found out that we were getting transferred to Germany. He went a few months before us. So here was my mom, with 3 little kids and we miss our flight. She only had $25 on her, not expecting this to happen, of course. We couldn't get another flight until the next day so we had to stay in a motel and my mom had to have money to feed 3 little kids. She went to the Red Cross for help. The guy was so rude to her and acted like it was coming out of his own pocket! He said it was all my dad's fault. What a jerk! When we got to Germany, my parents paid the money back. We have never supported the Red Cross since.