As you see settlements like eToro come out of the SEC and other regulators heading into their fiscal year end this month, just remember:

Settlements are not law.

They're just what someone was willing to pay to get out of an enforcement action—an economic decision to flee rather than fight.

The rest of us fight on.

Absolutely. Settlements can sometimes be seen as a strategic choice rather than an admission of wrongdoing. It's crucial to discern between legal precedent and a calculated financial decision. Your persistence in striving for clarity and justice is commendable. Keep persevering!