I think one or the other of these ventures might be quite useful to very many people, though likely not many here. ( Not even sure of this last part!)
It is easy for us to say that everyone should learn about investing, but everyone is not going to, anymore than everyone is going to exercise and eat more health foods or follow safe sex. Just not going to happen.
Look at cigarette smoking. If anything should be both clear and simple, it is don't start smoking. But a walk down the street shows me that plenty of young, well dressed people smoke.
It may even be easier for many people to start a savings program if they feel confident that having savings will not just present them with another frustrating and anxiety arousing problem of what to do with these savings. Also, as Gerntz said, having a third party do it may head-off family disputes. Being a member here gives us the idea that the world is made of of utility maximizing, rationally investing high dollar savers who never have conflict with their spouses over money. This is true only at ER.org. and heaven.
Ha