Disagree with the number 1 and 3. Newbies can try future but with extra caution, I learned future and how it works through experience but of course with a limited amount of money around $20-$50 per trade and with a lower leverage to see and experience how it works. The third one, it's alright to take money from the bank and trade with it as long as it is your personal savings and not a loan taken from bank since I'm sure you wouldn't be able to pay for it.

I agree with the second one, if you have money and that money is for food, paying bills and other important expenses don't try to use that to trade or try your luck with trading since trading is like gambling there's no way you can tell that you are going to have profit and so it's not smart to use that money to trade. Only trade using your spare money that you can afford to lose.