I have put in much effort to explain complex financial contracts, such as an annuity or insurance product, in simple terms. Some people do not want to watch the videos or to read the article. They just want an answer to their question, "Is it good or bad"?
This reflects a lazy attitude. They are likely to be scammed. If they make the effort to watch the video or read the article and are still not sure, they should attend a talk.
Due to their laziness, many of them get scammed and lose a few thousand dollars, or more. It is sad, but this happens to many people.
Here are my videos and articles: