I mean, if I've got friends and neighbors doing this, and getting the returns, I can see myself saying, hey, let me throw some of my "play" investing money at this. But I don't get the one guy quoted in the article who claimed that he put 95% of his retirement savings at risk. Or maybe that guy started with $25k like I might, and ramped it up over time and next thing you know, he's invested nearly all of his retirement in this scheme. I guess that's how they get you, a little to start, and then it's too late.