You seem to overlook the fact that you are comparing sophisticated financial instruments to 'investments' marketed at moms & pops sometimes as de facto bank acc

You seem to overlook the fact that you are comparing sophisticated financial instruments to 'investments' marketed at moms & pops sometimes as de facto bank accounts with FDIC markings on the marketing materials. Did I know people who made out well playing the crypto market? One. Did I tell him to not do it? Nope, because he knows what he is doing. The flipside of this is the 5 or so people in my direct personal sphere and hundreds if not thousands (if you count the lurkers who followed conversations I was having with individuals) online who have advocated for or expressed direct involvement or interesting in playing in crypto markets that I have advised against doing so, with a rare few heeding my warning but the overwhelming majority using circular logic, fallacies, personal attacks, and 'not-even-wrong' economic theories to justify putting a large portion of their income (sometimes even taking out loans) on it. Please understand that the perspective I am trying to show the readers of my comments is my own.