I paid off my mortgage, bought a Sierra Denali, wife got a Rogue, hot tub, new deck, shed, new fence, put $600k into my business, leveled out my backyard... it was wonderful.
Anyone using their mortgage payment, credit card loans, kids college $, vacation money, 401k money to buy a penny stock is insane. If they play with their beer and movie money, then... you win some, you lose some.