Coincidentally, I had dinner with a big brother in traditional finance tonight and talked about a similar issue, which made me realize more clearly that the world is not actually friendly to the middle class, especially when it comes to investment. For people with low asset levels, the market has long provided countless options for them to play games with. High leverage, high volatility, and high stimulation are constantly promoting the possibility of overnight wealth. For many young people, the logic is also very simple: if they have money, they will shuttle, if they don't have money, they will go to work for a month, earn money and then come back to shuttle. Anyway, the capital is not much, the trial and error cost doesn't seem high, and there are many ways and means to participate, so even if one knows the risks are high, there will always be people willing to rush in. For high net worth users, there are certainly countless risky assets, but more importantly, there is never a shortage of low-risk but higher than average investment return channels. Many private wealth management services start at 5%, with professional financial professionals helping to customize asset allocation. The projects that can be participated in, the information that can be obtained, and the circles that can be entered are not within the reach of ordinary people. Not to mention the equity, debt, primary and secondary markets, and various structured products that only qualified investors and institutional clients can participate in, these things are essentially games where the more money there is, the more money can be generated. But the most awkward thing is precisely the middle class. The amount of funds is limited, with both seniors and juniors. Although every penny may not be precise enough to plan for spending, it requires consideration of family, children, healthcare, retirement, mortgage, cash flow, and future uncertainty. You said you didn't have any money, but you still accumulated some. Let's talk about having money, but it's far from enough to withstand a lot of trial and error. I barely meet the threshold for qualified investors, but when I see many investment projects starting at $100000, I still feel conflicted. Once I make a wrong judgment, the cost is to directly disrupt the rhythm of the entire family for the next few years. Even more troublesome is that the middle class often lacks the most choices. High risk products are not to be touched, low return products are unwilling, and there are very few products that are truly suitable for oneself with medium risk, medium return, and liquidity. So often, the hardest part for the middle class is not the lack of investment awareness or the inability to diversify risks, but rather the limited space left by the market for them. Ultimately, the world is most easily overlooked by the financial system, not by the poorest or richest people, but by the middle class. Because the poor can gamble, the rich can match, and only the middle class cannot afford to lose or win quickly, yet they still bear the greatest practical responsibility. This year, I want to explore ways to design investment channels for the middle class who are not worthy of gambling. Bitget VIP， Lower rates and more generous benefits