Limbs, life and health of a factory worker are important subject matters of any Workplace Safety Act. As such, any Act will contain favourable provisions, taking care of the safety and health of a worker. However, our money, whether in stocks or trades, though is the important subject to the financial circles, receives no protection provisions.

Workplace Safety Regulations specify certain expectations on all responsible persons, e.g., employers and managers, for the 'duty of care'. It shall be their duty to take, so far as is reasonably practicable, such measures to ensure the safety of workers. The responsible persons must conduct a 'risk assessment' with the workers on all work processes before commencing the work. Such is the mandatory requirement of any licensed premises of work. The responsible persons are required by laws to work towards eliminating or minimizing any major risks.

How about our money invested in stocks administered by banks, stock exchanges and other financial institutions? There is no protection and you invest at your own risks.

Don't we realised that our money face more 'risk' these days with financial institutions than workers' safety in a factory? Who are the responsible persons when we put our money with banks and stock exchanges?

Sure, these financial institutions are licensed. But, unlike a licensed factory, these licensed financial institutions do not need to embrace the safety for our money..

Take the example of falling from a height. Safety harness is a standard safety provision to prevent employee from fatal fall from high elevation in a workplace. What safety provision is there when our money and the stock values go for a free fall? Nothing ... many shares whose worth were more than US$100 each could drop to about US$0.10 each, as witnessed in this financial crisis. Billions of money have fallen into the bottomless pit.

So, the financial markets, despite its brainiest minds, have no safety for the money that we invested with them. They want us to accept that the free fall is due to market forces or dynamics. They should learn from their manufacturing cousins.

There, the manufacturing industry places the primary responsibility for safety on the responsible employers or managers. The financial world should begin first by taking up or exercising its responsible role for our money rather than continuing with the 'invest-at-your-own-risks' attitude.

It is mandatory for the manufacturing industry to provide safety harness or safety net in case of a free fall incident. The financial world should likewise provide some kind of a safety net. They should stop putting up excuses that the financial market is a free market - prices go either way.

The brains in the finance sector should re-think hard on how our money with them should go one way up and not down! There could be some build-in mechanism or safety net to forestall a free fall. It is reasonably practicable to effect a safety net for our money in shares. An example of such a safety net is found in the third image here

Ownership of responsibility and deep thinking among the financial gurus will lead to the evolution of financial instruments that exhibit high growth yet no risk, different from the current capital-guaranteed products. This is bringing safety to our money in the financial investment.