All of your questions can easily be understood by a few minutes of investopedia. Start by reading about "Capital Markets" and then risk transfer.
You start the thread saying what people ought to do with their money and presumably having it forcefully taken with little understanding of financial markets. This is [one reason] why nobody takes these suggestions seriously about personally wealth.
> All of your questions can easily be understood ...
Then you should be able to make a well informed comment on the matter, as you clearly understand it.
> This is [one reason] why nobody takes these suggestions seriously about personally wealth.
What suggestions? Capital gains tax? I only know of very few industrialised countries not enforcing capital gains tax. So that idea is most certainly taken serious.
> You start the thread saying what people ought to do with their money and presumably having it forcefully taken with little understanding of financial markets.
Can you expand on this? Having money "forcefully taken" is a core feature of modern efficient markets whether you like it or not.
You start the thread saying what people ought to do with their money and presumably having it forcefully taken with little understanding of financial markets. This is [one reason] why nobody takes these suggestions seriously about personally wealth.