opes victim tells of tragic loss, page-61

Borrowing money to buy shares whether margin loans, investment loans, CFD's, shorting or going long has it's risks, some more than others.
Brokers like Opes Prime who lend so you can buy stock at a 70% margin are simlar to these people who promise returns of 12% plus.
A gift horse you might call it.
The closest thing i got to in borrowing to buy shares was an investment loan, using some equity in my house.
I looked at margin loans and CFD'S but really coudn't get my mind around it, so investment loan it was.
There was no call on me when my shares dropped in value, no set amount to pay each month, i just traded with no pressure.
Now i no longer have an investment loan and no debt.
I trade with my own money and although down 20% on my portfolio and slightly pi$$ed off i'm at peace with myself.
I read that no one makes money on trading CFD's in the first couple of years (the smarties on here will tell you different) which to me shows how sophisticated this way of trading might be.
Margin lending would be just as sophisticated methinks.
All those people who decided to take these plunges and risks either end up heroes or villians and it seems the villians far outway the heroes.
There is obviously a moral to this story.
Anyone wanna help me out with what it is?