I used to deal with clients after the relationship with their brokers broke down. These clients were thrilled to be invested in the market when the market was going up, but as soon as the market had a little hiccup and the numbers weren’t favouring them, my goodness, everyone became dumb as a post and pleaded a lack of sophistication and demanded compensation. They treated being invested in the stockmarket as a guaranteed investment - if the market goes up - they make money, if the market goes down, they complain and still make money - a win-win situation for them 