Srinagar, May 20 -- When you hear stories of folks losing their life savings overnight or see headlines about sudden crashes, the fear feels justified.

Add in personal stories from relatives who lost money, or the shady broker who promised a "sure thing" that wasn't, and the whole idea of investing can feel like walking into a trap.

For many, that fear is rooted in real experiences.

In the past, some brokers have taken advantage of investors, misusing trading accounts or making promises they couldn't keep.

People lost money. Trust was broken. And the damage wasn't just financial. It left emotional scars too.

But not all the fear is grounded in fact. A lot of it comes from how people invest, rather than the stock market itself.

It's ...