The only urgent change that has to be done as soon as possible, in my humble opininon, is a very simple one, and is putting a huge warning on the investing windows about how risky the investment is, how returns aren't at all guaranteed, how there will be a lot of variance and there can be huge losses on the short term, only invest what you can afford to lose, etc, etc. Maybe even put a little warning always next to invested amount when it is >0.

Maybe increasing investors awareness, there would be less whining, which is the biggest problem at this moment...