Token money was never meant to be an end in itself, and certainly not for speculation.
What is money, but a token of convenience which parties trade goods and services. These tokens made of paper, of base metal, or markings in the memory of a computer are worthless in of themselves. The problem is that those in control of these tokens think that they have control over you and me; they start treating these tokens as commodities to gamble with; and they play games by devaluing, printing more or scrapping these tokens. A man can be the richest man on earth with trillions of these tokens on a computer database in a bank, and in one crisis it can be wiped to nothing. Money as tokens is a worthless illusion.
Spain at the present time occupies the minds of bankers, politicians and media, in the place of Greece, in the latest financial crisis as the experts attempt to play further tricks with worthless tokens to stem total disaster. Money tokens have been replaced with debt tokens. I am unsure how one can trade with negatives.
The real commodity of trade is things produced, our time, our sweat. You may have no money, but everyone has a commodity of their creativity, time and sweat which is tangible and more valuable than a token that can vanish as an item of value overnight.
Interest bearing investments, stocks and shares and other token based investing is really a mass delusion with nothing of value backing it up, but of debt. For investments something of practical and tangible value is better like land, buildings, art, manufactured commodities (the type useful even if civilisation collapses) than token money. It is better to invest as an investor in small local or creative enterprises, such as those on KickStarter.com. As has been shown by the Facebook IPO saga, the small investor was ripped off by faceless bankers.