> I actually hate people disavowing themselves of responsibility here.

It's easy to say "they should have known" better because in absolutist terms it's correct. But you're focusing on the 'what' and not the 'why'.

For example: https://rollcall.com/2021/09/07/left-behind-by-financial-sys...

"Normal" investing is complicated, and stacked against regular people. Now we're asking people to understand blockchain and cryptography as well as investing. Yet it's sold as democratisation of investing. I mean, seriously.