I happen to disagree on the 2nd point, at least as an investment for myself. I wouldn't recommend an investment like this to my parents because we have highly different levels of risk tolerance.
But, if people always agreed on investments, we'd only have just buyers or just sellers; markets to trade the investments would cease to exist. Disagreement keeps people on their toes and makes things interesting!
I happen to disagree on the 2nd point, at least as an investment for myself. I wouldn't recommend an investment like this to my parents because we have highly different levels of risk tolerance.
But, if people always agreed on investments, we'd only have just buyers or just sellers; markets to trade the investments would cease to exist. Disagreement keeps people on their toes and makes things interesting!