This whole issue has little to do with money and more to do with freedom and liberty. At the rate of taxation in North America, the pressure mounts to find other sources of income to keep the family afloat. You must work for the goverment desiring only to protect us from ourselves. In my opinion these investments are little different than taking advice from any of the scores of unscrupulous brokers about the latest hot stock. People get hurt bad.
Someone thinks it's the time to buy, the other a time to sell.
One is wrong and pays the price. This whole issue has little to do with money and more to do with freedom and liberty.