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.
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.
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.