let's say I am a newbe (which I am) coming to this hub, reading the postings, asking questions, trying to learn, hopefully pick up some hints, background info, opinions, rumours, news and a variety of interpretations.
Am I a 5 year old or a teenager? no.
Am I an adult person? yes.
Am I investing your money? sure not.
Am I investing my money? yes, maybe I did already or maybe I am going to. 
Now, WHO is responsible for what I will do with whatever I am learning? Nice of you that you want to protect me, that you want to tell me who is lying and who is saying the truth.
do I need really this? do I want this? in exchange of my freedom to use my own capability of evaluation?
I had the priviledge to grow up in a free country and I am fully aware that my freedom stops where yours begins. freedom to hear all the voices, freedom to read a posting or skip it. freedom to comment, give words to doubts or fears or discomfort or dreams or wishes or joy.
in an appropriate manner. with respect for myself and for others. avoiding judging and critizing. controlling anchestral fears. I mean, do you really believe that some one in the Agoracom hub will

         "When the bad guys come breaking in your door to do harm to your loved one"