The issue is not short selling or complex machinations in capital markets. The issue is not platforms or exchanges suspending trading.

The issue is bad money, which loses value and forces average people to chase yields rather. They can't simply save and accumulate capital.

Even the slimiest hedge fund or pump and dump scheme does not employ fraud per se. Nobody puts a gun to anyone's head.

But bad money makes people try crazy things to keep up with Wall St. Online platforms made it inevitable.

Your grandparents could be thrifty and save in very safe vehicles. You can't because money got worse.