I think both are valid explanations why we've gotten so attached to Zerodha. Zerodha was my first discount broker too & they always came off as very genuine (still do), & therefore, I was willing to live with their flaws, hoping that they'd rectify their flaws at some point (at least something so basic as offering a stable platform), I was afraid that I might end up with a worse/fraudulent broker but I'm afraid they haven't been able to rectify their flaws for too long now, so I have to look into other possibilities.