I disagree with you. "It's more in the average person's interests to have an index-traded-funds go up a reliable amount each year." You are saying that people

I disagree with you. "It's more in the average person's interests to have an index-traded-funds go up a reliable amount each year." You are saying that people are too dumb to decide what to do with their own money, and that's not your call. The reason this is a crime against everyone is because there's allegedly a "free market", but moments like this show that the emperor has no clothes and that in fact that's not the case.