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I think there's definitely a "responsible consumer product marketing" angle to this. Companies shouldn't be able to market products deceptively, and some products are too risky to be offered to the general public rather than qualified professionals.

But it seems that in the United States as long as the only thing you are harming is your own bank account you can take on as much risk as you want? I mean people are trading options on Robinhood with their last $500.