Sadly we have a younger snowflake generation they don't live cause there to scared but also commit suicide over little things.
I mean when I was younger I use to think it was normal to jump off the highest building you could find to commit suicide after losing everything in the stock market. I think I saw it in a movie or on TV somewhere. Some guy jumped off and killed himself after losing everything. I thought that was just standard practice in this business. Jesse Livermore killed himself too. $730,000.00 for a 20 year old is a lot of money unless you come from wealth. Damn if I had that 20 year old's hairline at 20 I would kill myself too. Yikes!. Hahahaha just kidding, about the suicide part. If only his parents made him tough enough to withstand not only a loss of $20,000 but a loss of a whopping $730,000.00 a little more then 30 times his original amount.
I think they should at least have a test to make sure you understand how options work due to the leverage involved other then just a disclaimer. The disclaimer protects the broker but what about the rookie trader? All I remember getting was confetti, almost like I won some sort of prize.