Have ETFs made high finance TOO accessible for everyone? : When the price of oil fell off a cliff in April, it upended some previously sacrosanct financial-market beliefs. The most visible may be that the price of oil, a tangible commodity, even if one that’s currently not much in demand, can actually go negative. But there’s another realization dawning on market participants: letting mom-and-pop investors have access to financial products that were previously the domain of sophisticated traders may not be a win-win after all.