It's also a site frequented by people working salaried jobs and moderately successful freelancers who will never, ever see more than perhaps $100,000 in their b

It's also a site frequented by people working salaried jobs and moderately successful freelancers who will never, ever see more than perhaps $100,000 in their bank accounts at any one moment for their entire lives. Thus, we may be thinking of it in terms of "how can I use this money to invest such that I can live off of the interest for the rest of my life, getting the equivalent of a decent salary but without the actual work"? If I got millions of dollars, this would be the first thing I would be thinking about, not about how to risk it all just so I can be another greedy douchebag unhappy with their single-digit millions.