Who would think it wise to allow foreigners the right to make all of the financial decisions for citizens in The United States as well as share in any of the profits? The answer for most people would be a resounding "Nobody"! The primary reason to avoid such an arrangement is that strangers with no skin in the game can make the riskiest investments with OPM (other people's money). In the above hypothetical case, foreigners would have everything to gain and nothing to lose while the U.S. citizen assumes all of the risks.