<i>&gt; The truth is you&#x27;re losing more money by not having any of it generating higher potential yields.</i><p>I&#x27;m aware of this and can account for this loss. What I dislike is an unknown potential loss that I can&#x27;t readily account for.<p>For example - if I invest $50k I need to account for the possibility I might lose the entire $50k, or a portion of it. Being realistic, I&#x27;m unlikely to lose it all, but even if I only lose $5,000 that puts me off from making that investment. It&#x27;s very risk-averse behavior, which many people with a confirmation bias are against. Their $50k investment may have returned $150k and they begin to question why I wouldn&#x27;t make that investment.<p>In other words, even if 3&#x2F;5 people make $150k, as a risk-averse person, I see myself as already being part of the 2&#x2F;5 people that lose the $5,000.<p>The only forms of investments I&#x27;ve ever done are playing the markets on MMORPG&#x27;s. The markets are predictable, safe, and I can readily make a 8-10% ROI each night. If I could make investments like that in a real market I would in a heartbeat! :P