One might argue that the original sin of RH is marketing to people who don't have a grasp of how these systems work and not being used to having to learn these things when dealing with a consumer product.

Some of the barriers to dealing with traditional brokerages created opportunities to learn, and to put one's self into the mindset that this is a thing that is new and complex (on your first encounter), and your general approach should be researching each new thing you're trying. Heck, just the signup and annual reporting requirements on IB will make you think long and hard about each type of transaction you might want to do.

I can get behind making a business out of it, but I wonder what the long-term effects of trying to gamify and consumerify stock trading is going to have on laws, regulations, and the overall market conditions going forward. (I know what RH would say, they're "levelling the playing field for the average Joe!" But, you know, Fidelity & co. did that a long time ago - they just didn't gamify it, they gave you access to it largely as it was.)