This people aren’t thinking clearly… LIFE ITSELF is speculative. When you go out to work, you leave your house to get some money. You could be killed. In your speculation, you put in balance the chance of being killed and the money you WILL NEED SO YOU WONT STARVE.  If you don’t go out, you starve and die, if you leave your house, you may or may not be killed. This is true in every turn of life. We all speculate.