Reminds me of the story about the cowboy that rode into town and asked a local where the poker game was. The local told him the only game in town was just down the street but it's crooked. The cowboy headed down towards the poker game and the local said "Hey,are you deaf? I said the game is 'CROOKED!'. The cowboy said yes I heard you but like you also said 'It's the only game in town!" And that seems to be the mindset of so called "Investors" with their money unfortunately. Even hard up folks that have little saved just have to play "The only game in town." Just can't help themselves.