The problem is that you're only seeing half of the picture. On the one hand you ask for personal accountability (where I totally agree with you), but you don't expect any accountability from the company that makes the profit (in this case Robin Hood).

Robin Hood grants access to option trading to just about anyone and if the client fails and rides himself into deep sh*t, they just throw up their hands and claim "personal accountability", in the end meaning that the social system in some way has to bail out the person so that Robin Hood doesn't suffer any significant losses.

That doesn't seem fair.