If every tool, when ordered, or even of its own accord, could do the work that befits it... then there would be no need either of apprentices for the master workers or of slaves for the lords.
Investors, of course, can, by their own behavior make stock ownership highly risky. And many do. Active trading, attempts to "time" market movements, inadequate diversification, the payment of high and unnecessary fees to managers and advisors, and the use of borrowed money can destroy the decent returns that a life-long owner of equities would otherwise enjoy. Indeed, borrowed money has no place in the investor's tool kit.
Have pity on those who are fearful of taking up a pen, or a paintbrush, or an instrument, or a tool because they are afraid that someone has already done so better than they could.
Everybody is writing, writing, writing - worst of all, writing poetry. It'd be better if the whole tribe of the scribblers - every damned one of us - were sent off somewhere with tool chests to do some honest work.
Machinery is aggressive. The weaver becomes a web, the machinist a machine. If you do not use the tools, they use you. All tools are in one sense edge-tools, and dangerous.