Income doesn't matter. As long as your account has funds, you trade with those until they're depleted. You don't get access to options by default, and even the

Income doesn't matter. As long as your account has funds, you trade with those until they're depleted. You don't get access to options by default, and even then there are levels of approvals before you can do advanced trades. If they require margin, your broker will keep watch and instantly liquidate if you go negative. That's the whole point of a "margin call". It's very rare that a broker will lose money because of a retail trader.