> The amount of leverage each is person is willing to take depends on their risk appetite. You say "risk appetite" like it's a preference for vanilla over choc

> The amount of leverage each is person is willing to take depends on their risk appetite. You say "risk appetite" like it's a preference for vanilla over chocolate, but we are in fact talking about people enticed into making objectively bad financial choices that are destructive to their lives. Yes, people are stupid. People are very old or very young, or don't speak the language well. None of these are excuses to lure people into bad financial decisions.