I am gonna add this to this long overdrown argument. anything you do when you are looking for a higher rate of return ( ie more then a savings account) theres gonna be higher risks, rather its a business, investing in the stock market or trading currencies. as a individual you have to way the odds and follow a system. if you do loose money it may not be the vehicle in which you used to trying to make money but more so it could be the timing in which you used that vehicle that caused you to loose your money. I am sorry for anyone loosing their hard earned money - however because its your hard earned money shouldn't that person used a risk adverse investment approach??