They haven't ripped me off.  I completed a USPS deposit, purchased BTC and withdrew to my account it took 5 days from the time I dropped the letter in the PO till I moved the 1.5 BTC to my wallet.  They don't seem to be able to solve people's issues in a timely manner though.  I believe the BTC market makers would benefit from an insurance of some sort - similar to SIPC [Securities Investor Protection Corporation] but independent from gov regulation.