Around 77% of Americans live paycheck to paycheck: https://www.prnewswire.com/news-releases/survey-reveals-majority-of-americans-still-living-paycheck-to-paycheck-302257819.html#%3A%7E%3Atext=SAN+ANTONIO%2C+Sept.%2Cin+a+competitive+hiring+market.%22. They don't have the spare money to throw in the market. Even if they had the money, they don't have the expertise to invest wisely. They cannot afford to throw money away on pump and dump stocks. 77% of Americans are screwed.