Nigerians know how to invest, just apparently in the wrong products. The rate at which individuals recently flocked (and some say are still flocking) to various ponzi schemes show that the average Nigerian wants a return on any idle cash they have, but it seems Nigerians are not properly educated on the available options and the risks attached to each. When does a return on investment become too good to be true. Do Nigerians know? Why does it appear that more Nigerians play the lotto machines, than invest in financial instruments.