I'm 100% OTTV, it can be non sense yes if your have all your savings or etc in it, however this is more like a golden ticket type deal. Some here are not Day traders and click all day - we have day jobs, own businesses etc, this is a way to hit it big and give financial freedom to some of our dreams. All of my future savings are in real estate - the funds going into my brokerage account were specifically for OTTV when I came across it -