Thanks for the comment Tim. I understand a lot of people feel the way you do, but there is no evidence (research and data) to back up the claim that the average person can’t get a food return.
If they simply invest in a low cost, passive index fund (but the whole market) they are statistically more likely to come out with better net returns than most of the mutual funds or Wall Street traders you mention.
Luckily. It’s never been cheaper or easier to buy index funds. Some go as low as an annual fee of 0.02% per year and can easily be bought online with only a few bucks.