I'm sure there are some people who could safely drive on the roads without speed limits and other traffic laws, but the number of people who could not is far greater. So it is with careful, responsible investing. Many laws are designed to work on a statistical basis, for the greater overall good. This is one of them.

It's not designed to prevent 'ordinary' people from sharing in investment profits, it's designed to protect the public purse from having to support millions of people that lost their savings due to unwise investments.