How does having a net worth of $1M or an annual income of over $200K inure you to being scammed by complex financial instruments?

Also, we already let people engage in sports gambling (which is guaranteed to result in a net loss) and cryptocurrency speculation, (which is a zero sum game). I'd rather give people more options to invest in financial instruments that at least in theory have the potential to be positive sum, since we're not going to ban either of the other two any time soon.