I think the only thing this case shows is that most people are investing in vehicles that they shouldn't be investing in. Its not the job of the underwriter to protect you from your own stupidity. If you can't determine the suitability of an investment to you and/or your family, then you should find someone to help you do that. If you can't find someone to help you do that, then you probably shouldn't be investing in that vehicle. I don't see anything difficult about this. Ultimately, at the end of the day, you are personally responsible for your success or failure, because you have the choice to invest or not. Period.