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@deleted
"2) People have accused me of naivety as to how risk should be managed
there is no discourse without an opinion.
i would be happy to be proved wrong, right or half right in arguing against your sentiments in person or on the forum.
and nobody said putting forward an opinion requires a set of moral values approved by the majority but if you wish to state an opinion you have to be prepared to either be wrong or for people to disagree with you.
i still think your grasp of the management of financial risks is lacking, i haven't seen any evidence to change my mind on that. I'm happy to be proved otherwise.