> it really is based a lot of hard work and skill. And the total lack of desire to apply that hard work and skill to something more productive than applying ev

> it really is based a lot of hard work and skill. And the total lack of desire to apply that hard work and skill to something more productive than applying even more lubrication to a market that is already too fast for it's own good. But please allow me to take the sting off of that attack: over here in advertisement, things are not much different. About those barrier of entry laws for risky investments, that we seem to both consider the true target of the Brookingns article: they are not about poor people being stupid, they are about poor people being poor. Too poor to not be completely ruined by a failed investment. "Rich people benefit from barriers of entry" and "Poor people will suffer hard when they are fully exposed to commission-driven investment salespersons pitching them risky stuff" can (and are) both be true at the same time.