Thank you. I can't disagree with much of this. 
Point #1-you are correct.
Point #2-hmmm, might need some proof but I'm sure there are those who feel they were cheated.  Business is not for babies.Getting it in writing and signing contracts protects both parties. I don't know if Trump U was managed directly by DJT or by someone he hired. He may or may not have been fully aware of what was going on. Either way his name is on the door so he needs to make things right.
Point#3-I might need more evidence to say he lied most of the time or maybe some just can't agree with him to the point of believing he is almost always being dishonest. I think there was enough truth stretching going on by both candidates during the campaign to make too much of an issue of this. I know I feel the same about HRC. 
Point #4-Yes he is the definition of hubris. That may just work to our advantage however. 

I appreciate you taking the time to give me a thoughtful and respectful response. 
1 Peter 4:8
John 8:7