Even people who feel perfectly comfortable investing in the stock market and owning their own homes often have qualms about individual medical accounts or Social Security private accounts.
I still think the best metal bands have a blues feel. The first Black Sabbath album is kind of a bludgeoning of blues. Deep Purple also started out as a blues band.
Every book you pick up has its own lesson or lessons, and quite often the bad books have more to teach than the good ones.