Interestingly, the Hunterbrook Wikipedia article says that Hunterbrook is unique, and the Muddy Waters Research Wikipedia article lists loads of other organisations. Perhaps someone should investigate…?
(Stock) market is, by definition, irrational. If you are scared of solvency, sell and hold money and/or gold.
The fundamentals are unpredictable, so even a perfectly rational planning (suppose such thing could exist) would lose money sometimes. Not in the long run, but long run doesn't matter if a single wrecked ship can wreck you.
I assume this is just your definition?
Is weather irrational, because you cannot calculate it?
Markets and weather are just too complex with too many unknowns to calculate it.
Besides, I don't think serfom has to do anything with it, as you have to keep people in, while the current agenda is all about keeping people out.
A crash is just another chance of buying more.