there needs to be an insurance or some type of protection for the consumers. Closest thing I found was a website that came out with a press release soon after the incident. Quoted from marketwire: "Leverage Inc. today announced a new bankruptcy insurance policy that allows customers holding gift cards purchased via its LeverageCard.com destination from Sharper Image and other merchants filing for Chapter 11 bankruptcy protection to transfer remaining, unredeemable balances to gift cards from other retailers available on the Leverage site."