While I understand the spirit of your posts, I've learned the hard way that treating investors with less than the respect they deserve is a sure fire way to shoot yourself in the foot. They are often times the first and fastest method to raising additional capital when in a pinch. Naive investor or not.
Investing $250K in a seed round startup buys you a lot more equity stake than buying $250k of stock in Apple. Publicly traded companies solve this problem by the virtue of their size.