If you pay $100 extra once in your life for the gold iPhone, then Apple has probably cannibalized more of your retirement fund than HFT.<p>Ballpark esitmate: drop $20k&#x2F;year into retirement (1 lot of SPY&#x2F;year) x 1 penny&#x2F;share being robbed from you x 50 year working career, you&#x27;ve lost $50 to the evil HFTs.