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THEN LET US DAYTRADE OPTIONS WHERE THERE IS NO BORROWING INVOLVED! WHAT, YOU WORRIED THE OCC WON'T CLEAR THE TRADES, IS THE THE SO CALLED BIG RISK?? WHOLE THING IS A SCAM.

With all due respect, " a cash account"? So with $2500 account one should wait till funds settle 3 days to be able to place another trade? Or you are suggested they only trade penny stocks? WTH.... Also, the brokerage accounts have zero risk with debit and credit spreads, it is all automated...