Alan I think the requirement that our community members be forced to participate in an ICO is preposterous. Since seeing the first ICO's launched 4 years ago, I've refused to participate in a single one of the hundreds I've researched, and don't plan on starting anytime soon.
I'm as non risk-averse as they come. I make a lot of moves that no sane financial advisor would condone, but that's because my risk profile is a certain way. I'm comfortable making high variance moves with non-trivial amounts of Risk of Ruin.
But ICOs are where I draw the line. I've staunchly refused to participate in a single one. And like you, I don't ever plan on that changing.
MiningHabit, ICO can be the greatest tool for capital formation. Unfortunately, it has also been used as the greatest tool to exploit consumer protection.