Fear no longer serves much of a purpose to our species. Modern humans have very little to be scared of in the natural world; there are no predators that actively hunt us. Truth is, the thing that poses the greatest danger to us is each other.
For the past decade, an epidemic called White-Nose Syndrome has had severe impacts on bat populations throughout North America. The fungus, Pseudogymnoascus destructans, feeds on soft tissues of bats such as their wings and noses.
You think that the broker has your best interest at heart. They are, after all, working for you. You are paying them a commission. And you are living in America, the land of "everyday low prices." But you have been misled.