Because bidding clubs are not regulated or guaranteed by the government, for many young people with a modern education, who like to do everything by contract and written agreement, RCAs are an archaic way of managing money, and they prefer newer financial instruments such as shares, futures, mutual funds and annuities.
正因標會不受政府規範與保護，對許多受現代教育、一切以契約為憑的年輕人來說，標會已是祖母級的理財手段了，他們寧可選擇股票、期貨、共同基金、保險年金等理財新工具。