Why structured products are suitable for most clients

Sex, politics, religion and structured products are all topics that, in my experience, polarise opinion (between IFAs at least). I have spent most of the past decade working in retail banking at a couple of the large UK retail banks. I have had the pleasure of working with many different clients ranging from those who did not have money to buy their next meal to those who have multiple millions. During this time I was not a bancassurance adviser so I was mainly dealing with people who did not invest their money. My overwhelming experience is that the majority of the people I have deal...