So you don’t invest in a 401k either, right?
Yes I am giving the minimum to getthe maximum matching i 401K. And yes you can not idiot proof everythig, but if the contracts were written about 7th grade english, about what a newspaper is written in. So the the majority can understand what they are signing. Nothing is idiot proof (the universe is actively developing better idiots) but it does not have to be written in legalize either.