I don't know if you have ever owned a business but most of those tactics, and other like them, are practiced every day by business owners. I don't know if it is "right" or "fair" but it is done. You don't even want to hear how many traders I get in envelopes with a business name on them and checks from the traders company to pay for chip purchases. That said, these people are willing to risk their own money in the business in the hopes of making a profit. There has to be some reward for taking the risks.