> The more trades you make the more the odds stack against you, and you will loose everything.

In general this is true. Participation is not rigged with eg VTI/ITOT and VXUS/IXUS and a long enough time horizon.

There is no case where one cannot participate - doing nothing means inflation will eat away at assets.

I have a very brutish 50/50 international/US split (was 30% international before 2024 when Trump promised to destroy the US economy and started to act on that...). Each quarterly equity vest I put more in, and realize capital "losses" while buying the near equivalent security when there is an opportunity to do so.