Agree with your article.
The most vulnerable are the older generation. My father who is 93 years  was sold an investment product at TD with a 3 year lock in period. 
Previously, he always renewed his GIC's for  1  YEAR TERM.
So why would the TD FA decide that this is the right time for him to move into a 3 year lock in GIC? 
This does not feel right.
I would like the regulatory to investigate TD's behaviour and look at the file for old age customers who have been affected by a sales practice that has lost ethical standards.   
This is not about share prices, it is about human dignity,  respect and trust that is lost with the sales practices at TD.