Hello @kenny-writes
Investing is for me a profession, you can't start inventing with every single thing we are offered because not everything is good, and not everything is bad either.
Being cautious is necessary, however, there are those who expect to get rich quick, and end up risking too much, so much so that they even borrow for a dream of enrichment that often will not come, at least not in the way and in the time they expect it.