Do you use insurance? Here is an example of exchanging risk voluntarily that I don't fits your comment. Farmers will often make deals to sell their goods for a

Do you use insurance? Here is an example of exchanging risk voluntarily that I don't fits your comment. Farmers will often make deals to sell their goods for a fixed amount before planting. The other side of that deal is a futures contract where investors speculate on commodity value. The farmers accept lower returns while the investors may get fabulously wealthy. Are the farmers being scammed?