Savvy Trades and Investments

[rado]

I think "most" people would be happy to make a few thousand dollars in their stocks.

"According to survey data from The Ascent, the mean (average) savings balance among Americans is $35,366. The median (middle value: more representative than an average), however, is $4,500."
https://upgradedpoints.com/finance/average-us-savings-account-balance/

Maybe that amount is just cash.
Here is a survey of retirement savings.

https://www.synchronybank.com/blog/median-retirement-savings-by-age/
"""
Vanguard: "How America Saves 2022" Data
Age range

Median Retirement Savings
Under age 25
about $1,800

Ages 25-34 about $14,100

Ages 35-44 $36,100+

Ages 45-54 $61,500+

Ages 55-64 $89,700+

Ages 65+ $87,700+
"""

While I don't think most people have the attitude or knowledge for investing in microcaps.
The "average" person will not have a difficult time with liquidity issues.