I don't find it confusing at all. How many people actually invest in a company they work for that don't have a 401k? I think the percentage of people is very small. Plus you have to have money your willing to lose in a bad economy. Not everyone has that kind of money and courage at this point. I think this could be a great opportunity for people who are willing to take the risk, but like the old saying says "Money makes money" holds true here.