Why so risk-averse in the big picture? Just skimming for now, it seems like this could easily lock a person out of huge gains made by e.g. actively trading during a dynamic market event. Which is weird because there are really effective ways to cover risks during such periods as well, only they aren't nearly as deadly to one's overall profit.

It seems like one of the selling points must be "set and forget," which makes me wonder if the target audience is just people who don't want to actively learn about a thing, but would rather take someone else's word.