Am I a fool?

[ILuvRiver]

wouldn't say you were a fool (although that is purely based on the fact u didn't know about rakeback when u signed up I don't know you and you could well be a complete and utter fool)

There is NO CHANCE of FT (or any other site as far as I know) giving you RB on an existing account if you didn't sign up at the very beginning.

IMO, if not having RB is going to mean you are losing buttloads of $$, cut your losses, ditch FT and Move on to another RB paying site or Stars for the FPP etc (I KNOW the 2 are completely different so don't bother pointing it out)