If you tell the salesman "I want to by Citi shares" and he tells you, "Don't be schmuck -- only retail buys shares. You need to buy this impressively named der

If you tell the salesman "I want to by Citi shares" and he tells you, "Don't be schmuck -- only retail buys shares. You need to buy this impressively named derivative instead. With the instruments available to you simply buying shares would leave you irresponsibly underleveraged.", then the bank deserves a lawsuit. They may not deserve to lose the suit, but it was trouble they brought themselves.