All the various scandal just showed the regular people that the investment market is a professional market with lots of insider privileges. If you play, you pla

All the various scandal just showed the regular people that the investment market is a professional market with lots of insider privileges. If you play, you play by rules you do not control through the proxy of institution that do not have your interest at heart. Combined that with a depressed real-people economy (money economy is doing fine, working people economy, no so much) it is a lot safer to build a good interest rate on your savings by simply saving more.