Volatility = Risky.
Capitalism is creative destruction subject to business cycles. This process forces change and change over time creates winners and losers. The average person fights or ignores change until it impacts their life. Only then does the average person react. The wealthy embrace investments and systems that maintain and create wealth. The wealthy embrace and talk about money.
Yet, there is hope for the average investor. It has never been easier for small investors to build wealth through low cost mutual funds and electronic banking. If you can subscribe to Netflix you can also become one of the wealthy!