I am sorry to say that I was one that did not heed the warning.  I haven't drunk the Kool-Aid -- I got banned from their subreddit for posting your videos -- so I will claim apathy.  I've lost a 4-figure balance in the Celsius scam.  I'm pulling my stablecoins out of their competitor, BlockFi, as they have the same business model as Celsius.  I had already gotten out of Nexo before the SEC made them stop doing business with US customers.  I still have a 4-figure balance with Gemini if only because they are structured and licensed differently than the others.