<....>
so of course this scenario that happened to their life will for sure they will share it to their friends and relatives which will become frightened and instead of having the courage to invest they will lose hope.
That's the wrong mentality.
The person who has experienced this unfortunate fate should not be a contagion. What that person should do is to make them aware of the possibility and to expect that something like this would happen. It's unfair for those people who are interested in investing. I always believe in the dilemma "Just because it happened to you, it doesn't mean it will always be the case".