but anyone [...] will tell you
See, this is the part you have trouble with: the opinions of "anyone" aren't worth squat.
You are right but the thing is anyones opinion is worth more than yours.
You run a very deceptive ponzi scheme albeit a very successful one. Grats.
You don't need to pretend you are financial grand master providing an actual financial service.
EDIT: Forgot that he actually does need to pretend in order to keep the ponzi flowing.