I was just thinking...
Can you imagine if it were stolen or lost?
What about insurance? You would never be able to insure it for $20,000.00 because the diamond wouldn't be worth that amount. Insurance companies would only insure it based on its appraised value as a diamond. They are selling a .2 karat diamond for something like $3,000.00. A .2 karat diamond, even the best cut you can get is not worth 1/4 of that.
The price you are paying is for sentiment, which is why I feel they are preying on those who are vulnerable and wanting to hold onto their loved one.
Oh well. We are all different which is what is nice about the world
We all have our own individual likes and options of choice