Well not everyone is a literate when it comes to financial investing, which is why people often seek the advice of financial experts. This is the case when large sum of money is involved, like someone who has saved up some money while working and after retirement want to invest his money... Seeking financial expert advice is okay.

However, if a scheme asked to invest a one time fee of 10k to make 5k every month for a year. 10k is little money to start looking for financial experts which will cost more.

In this case most people depend on internal intuition or what others say or are others investing and getting returns. It's just a matter of taking the risk if your gut believes.

E.g, you on steemit, you've invested a lot of resources here... Time, creativity, energy etc. Did you seek a financial expert idea before investing this? Of course No. You just believe in steem. You may have read some policies or whatever about steem but that does not give you certainty about it's future.

You are here cause your gut believes. A belief fueled by creativity and passion.