Exactly. Some people easily believe to anybody else that is why they tend to be fooled and terribly failed in the end. I also don't like the idea of borrowing money just to put up an investment. I will rather use my own money if possible and carefully study the market movement, listen to other few opinions and then follow my gotfeel, my mind, so whatever maybe the result with my own actions, there is no one to blame of. I, myself will be accountable with my own decisions and deeds.