In this case I'd argue that apples is "what an average person would do". That's the comparison the article is making. Millions of Americans are leveraged in th

In this case I'd argue that apples is "what an average person would do". That's the comparison the article is making. Millions of Americans are leveraged in their homes. Relatively few trade on margin. I think that makes it a valid comparison, even if it's not a fair comparison.