> ... I empathize, but it's a voluntary market, so clearly people think it is worthwhile. I think a lot of people don't know how it works in theory, and don't

> ... I empathize, but it's a voluntary market, so clearly people think it is worthwhile. I think a lot of people don't know how it works in theory, and don't know how it tends to work in practice. Sometimes people are also given misleading verbal pitches on the value of the options.