Common person can do his own dilligence through the web, specifically forums like steemit where more knowladgable people share their information with you. Being financial repsposible has nothing to do with investing (it starts when you wake up, decide what your spends are and what income you will generate). The system took the responsibilty related to investments after your grandparents took it too far in the 30's. Now with the internet, social network and magic internet money, it's time to give it back.