Nice guys finish last. Latinum is to a Ferengi what White is to a Jem'Hadar. It's a crime to let a fool hold on to his profit. Business is business. Everything else is irrelevant.
Religion is the income of the church.
It is only trouble if you cannot buy your way out of it. Latinum won't deflect disruptor rays, but you may be able to pay off the man on the other end of the disruptor. Don't leave home without it. The best money back guarantee is one you do not have to honor. Trust no one.