[taway789aaa6]

The alternative is to not fall for the "its basically free!" schtick.

If its free, then you're the product.

If its $1/month, then you're still probably the product. In the case of my investments, I do not want the firm that I invest with -- to whom I trust my assets -- to turn around and lend out my assets to other organizations that have no obligation to me to act in my best interest. Share lending is almost always to lend to short-sellers that are trying to decrease the price of the asset being borrowed.

> Even the bank and pensions gamble with your money, its how they move

I guess its not worth having an opinion that this is not a good thing then? Bring back Glass-Steagall to separate out banks and gamblers.

[semiquaver]

  > separate out banks and gamblers.

Banks are inherently in the business of gambling. Since time immemorial the defining characteristic of a bank is to convert short-term liabilities (deposits) to long-term assets (loans). To lend is to gamble that your borrower will pay you back. A bank that takes no risk cannot cover its expenses and will cease to exist.