Fact - I know of a congregation that cared for a paraplegic for many years in a non US country where there is no welfare state. They fed him, supported him finacially, clothed him, cleaned up after him and buried him. The congregation was very poor and the financial commitment that was invloved in caring for this helpless mans needs made a dent in the income of each person in the congregation.
Fact - I know of a congregation in a UK inner city where 22% of the publishers were ex-heroin users who had by their association with that congregation, grappled with their addiction and turned their hopeless lives into something that had been benefited from the congregation structure.
I am sure of all the negative stories you post as 'fact' just as many positive ones can be posted.
What are you saying, that the comments you posted above are indicative of the behavior of all JW's? If so there would never be any XJW's. People Crawdad, are just people, however they might clothe their emotions.
Best - HS