You're sneaking in a prior assumption that people will act stupidly, and then make the argument "Well
since they act stupidly they will have bad outcomes". That's like me claiming "Your startup is gonna fail, I can tell, because you'd need to be able to read and write to make it in business!"(sneaking in the prior assumption that the person in question is not in fact able to read or write)
Your strategic consideration is wise, though. 'Diversification' is one of the first things people will teach wrt investment literacy.
