Loyalty however admirable it may be... is there such a thing as too much of it with regards to the Consumer? If there is one indisputable fact about "History"... it does have a nasty habit of repeating itself. That being said, call me a pessimist but its only a matter of time before the same sort of financial fiasco that hit "Wall Street" and caused an unprecedented ripple effect across the globe hits home. If anything, the Nyagah Stock Brokers collapse was a feeble warning shot. WHEN? That we cannot determine. HOW? Like with everything else that goes wrong as far as financial matters are at stake, greed, irresponsibility in other words, the wrong individuals in all the right places literally gambling with (Public/Private) funds and with a complete disregard for consequence. The collapse of American giants Enron, Leyman Bros etc was never even once thought of but the fact of the matter remains, it happened. WHY? Allow me to break that down into two parts: - 1. Non-Existent safeguards and/or stringent enough laws put in place by the goverment, this is the Kenyan Goverment we are talking about after all.   2. By consumers unsuspectingly putting ourselves in a position to exponentially catalyze an Economic crunch. Example: - Via "excessive" consumer loyalty to a brand and unyielding stubbornness as far as CHANGE with regards to our spending habits is concerned we have placed one Communications Service Provider (Safaricom Ltd) in a position to rake in tens of billions of shillings annualy and dominate 80% plus of a market share in which there are 3 other players. Don't get me wrong, from one standpoint it is indeed a commendable not to mention impressive achievement as far as corporate strategy and success is concerned. However,bear in mind it is a publicly listed company, hypothetically throw in a national/regional economic meltdown causing mass collapse in stock & local currency values and ask yourself, would Kenya really be able to come back from that? Throw in the same scenario but in this case the subscriber Market Share and hence profits are much more evenly distributed amongst all the 4 existing CSPs in the country. Im no "Economic/Financial Expert" but im going to go out on a limb here and state that this second scenario would have a softer blow on the economy. If for no other reason, i think consumers should realize how much power they collectively hold. They can make or break institutions via their spending habits. Some rhetoric for you to consider, "How do you plan on holding yourself accountable?"