Agreed -- but are you saying they shouldn't have sold at all? I don't think you can say it was a "wrong decision" at the moment, I agree that it was too late. But you could also go back and say they shouldn't have invested in the long term assets in the first place.

Or you could go back and say they shouldn't have accepted the deposits without having short-term gain solutions in the first place.

I'm saying they shouldn't have bought what they sold in the first place.