Should there be certification for buying financial products?

You need to be 18 to vote. And to drink. And you need this and that degree for various jobs. And to sell this and that.

Then why not make it mandatory that you'd have to go though certain courses before you can buy certain financial products. The more complicated the product, the more detailed the course.
This may mean that a few products will be available only to doctorates. Or it may mean that most people will find ways of going around the rule, buying products in others' name.

Either way, it should free the government of any obligation to save those ruined by the stock market and its appendages. Just as the government is not expected to pull out those ruined by gambling. You're supposed to have taken the risks knowingly.

It may also spell the doom of some products, whose existence depend on finding enough suckers most of the time.