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the average american is worse at managing his money than even the us government, so THEIR money is actually best off in the govt's hands.

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Errrrr, that's quite a statement to make without any proof.

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you can insert whatever level of competence you believe to be true -- the point is that average people get conned in the markets every day for billions b.c. of their mental / psychological flaws. i am not saying we should protect them, its their fault, they enslave themselves by way of their own stupidity. but we should still understand what is happening. for the avg person, it is a REVERSE magic penny.