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The intent is that it was customer money. There is a fiduciary duty. They have separate custodial accounts for customer funds. They did not separate funds. It was clear as day.

I run $1,000's if not $10,000's a day in FB ads. I can confirm we've all known this for quite a long time.

Our general rule is if the product doesn't have broad appeal, you don't run it on FB.

My running theory on all ad networks is pretty simple. There are a very small subset of users, 25%-30%, of people who are regular purchasers and these companies know that based on conversion data. They generally just throw your ad in front of these people and let it ride.

Keep it simple. I use ssh-agent .. just ~/.ssh/ - keep keys here. Backup the actual private keys and stick those on a drive you keep in a safe. Make sure your machine's HD is encrypted and you should be fine.