Because the system you're passionately defending via the "personal responsibility" angle has so far demonstrably shown itself to be susceptible to the same exte

Because the system you're passionately defending via the "personal responsibility" angle has so far demonstrably shown itself to be susceptible to the same externalizes of greed, avarice and "fuck you I got mine" misbehavior as the current system and people are lining up in droves to have their chance turning the grinder as long as it means they get a ticket to the sweepstakes. And the responses you're giving of "just be risk aware/just read the source code/just know what you're getting into" doesn't change that, doesn't educate the people who probably and realistically could benefit, and it doesn't change the fact that there is a LOT of obfuscation, misinformation and mishandling of trust going on in order to separate people from their actual fungible money.