If by classical investments you mean vanilla stocks and bonds, those are heavily regulated with strict disclosure and transparency requirements, heavy penalties for cheating (insider trading), and standardized reporting for de-obfuscation as much as possible.

If you're referring to more exotic instruments, those are off limits to mainstream folks, only available (in the US at least) to accredited investors with enough discretionary wealth they won't go homeless if they lose their investment.

In either case, a lot of effort goes into mitigating the cognitive load for mainstream non-expert investors.