The Sharpe ratio https://www.investopedia.com/terms/s/sharperatio.asp attempts to solve this exact problems. It basically uses how much your rate of returns vary to help you compare the risk of return to lower risk assets.

It absolutely is. Consider elderly people getting scammed. You really want to defend the fact that they aren’t victims?

Just download music from 3rd party sites. Not that hard, don’t understand why you are complaining so much.

It’s about damn time.