I'm wondering why all the hostility when someones opinion is just as valid as anyone else's. If one feels the FTM bottom surgery isn't good for the money, they are welcome to feel that way. If you don't agree, you are welcome to feel that way also.
Some people like carrots, some don't. Either way, the opinion is valid. Those who think it is an insult really need to check their emotions as we all do when disagreeing with another opinion.