Why should an average person invest their money and take risk instead of just saving their money? B'cos govt print money and devalue your money. Ok, I take risk and invest. Govt: "ah.. you invest and gain eh? We taxing it. What? You lose money? Too bad, be smarter next time."

Govt create a problem for you. You try and mitigate the problem. You failed, the govt smirks. You are successful, govt creates another problem on your successes.