I've been in Second Life since November 2008. I've...

I've been in Second Life since November 2008. I've watched it flourish then over the last 2 years spiral down as if it were a lead balloon. Just today, after spending 4 hours working on a 200 prim business build and locking it in place when receiving a restart notification, i come back to find it gone. There is no place on the "file a support ticket"
form to even ask for help with this type of problem. The last TOS update stated in no uncertain terms that LL would not be liable for any losses in Second Life and bound the user to arbitration if a smart lawyer somewhere found a way to legally pursue them for a loss.
The large land holders in Second Life probably have some leverage due to the tens of thousands of real dollars the pay in "tier" fees every month. For the everyday user, i'd not spend anything more than you are willing to never see again.