If you really think about it, there are actually an extraordinary number of life's situations which are inherently risky. Nearly everything a person does is some form of gambling. Even with such mundane act of getting up and going to work, increases one's chances of being killed in a transportation accident. In face of today and everything you know about investing, whether it is in business, an asset class (stocks, bonds, real estate, cash and commodities), or index fund, lottery agent even in its most basic element, it's nothing more than "betting" that someday tomorrow will probably be better with pleasant expected returns on investment; or possibly not. There is just one big risk you should avoid and that's the risk of doing nothing and not taking your chance.

Come to look-at it in face value, investing in any money market really is, legalized gambling, per se.