Apologies for the typos, writing on a very tiny iphone screen. Anyway, yes it is an alternative albeit a better one. Not all who go into stocks or MF understand the folio or the financials behind them. Most people care only about how they are going to earn off it. Like with Steem, the potential for good money is there and that's what attracts people. But many dont understand that they either need hard consistent work.. or get lucky.