Tell me how this is idiotic, and I'll tell you why you're idiotic. Well how about you tell me how it is impossible to make money unless you have $100,000? Sure if you plan on making millions you'll need some money. But even with 5,000 you can turn that into good money quick if you know what you are doing. Apparently you and I have difference sense of what good money is. However to claim you need $100,000 initial investment is indeed idiotic.