>I hate it when some "authority" tries to prevent me from doing something "for my own safety" - NO, instead, tell me what the risks are, and how can I prepare myself to deal with them, and then let me use my own intelligent mind to make the final decision.

My problem with this approach is that I predict that many who would join you in these decisions are going to lose out. However, you all still retain the right to vote in the future for forms of restitution to be made to you by the government.

So Wall Street gets richer, some of you do well, and I'm at risk of helping support those of you who don't.

Find a way to guarantee that I won't be your insurance policy, then I'll more fully support your right to take risks.