The problem is people DID do their due diligence, but just made a mistake in it. From everything I have seen, Hannes ran the business successfully for 20 years. As everyone knows, he had many, many customers who had placed many orders with him (the average customer placed over 5 orders), and almost always got their product a couple days after ordering. Nobody beat his prices or delivery time (or 24-hour ordering). So right there, you have most of the people that are now creditors: they had ordered from him before, had done their due diligence, just didn't repeat it. Then, there's the first wave of people that got stuck: they ordered up until around October or so of 2013. Up until around that point, there were few complaints about delays (with hindsight, we can see complaints, but most were pooh-poohed as being competitors, complainers, or trolls). So they did their due diligence (or if not, it would have come up clean). There is also the group of people that ordered after word got out on the forums. By around December, 2013 or so, typing "Tulving" into Google would have shown a couple hits about problems. But guess what? I never typed "Tulving" into Google before placing an order. And you get people whose brother-in-law has for years talked about this guy Tulving, and they finally place an order. Can you really blame them? Finally, there could well be some cases where you could place some blame on the creditor. But what good does that do? Remember, too, different people have different levels of trust, many people don't know what due diligence to do, etc.