

“Wiped out” just has no meaning anymore. In the absolute worst case if you bought and sold on the worst days imaginable, you were down around 50% for the last two crashes. That is not “wiped out”.
It is much more likely that the person bought the sock at least a year prior to the crash, in which case they would actually be net positive at the bottom.
Just don’t invest money you need it 5 years and ignore the catastrophizing.


I don’t know about the ethics, but forcing people to carry to term a baby with a significant developmental disability is unconscionable to me. It is very likely to ruin their marriage, finances, sanity, life, but the people that manage to do it are saints.