it won't change unless ISO's refuse to sign those personal guarantee's. Seems asinine to me to sign a personal guarantee through my business.

It's hopefully a very rare example, but if an ISO goes under and a funder than comes and demands a 10K Clawback that he doesnt have anymore, why should the ISO have to worry about being personally sued?

Im glad to do business with guys like Marcus instead of these small shady shops that require the personal guarantee, and i'd advise all ISO's to do the same.