Like none, I don't think investing is that difficult. It all comes down to some willingness to learn, be invested in the process, but then ultimately behaviours.
The financial industry makes it complicated for the retail investor because their livelihood depends on it.
The majority of Canadians will never visit a forum like this because they don't care as much about their finances as CMFers do.
EDIT - Kudos to folks in this forum. You're engaged and you'll be richer in knowledge and wealth because of it