Lack of money, fear of risk and educational gaps keep Romanians away from the investment market and make them vulnerable to financial fraud, according to two exclusive surveys conducted at the request of XTB Romania. "For most people, a monthly wage means survival from paycheck to paycheck and can rarely represent a chance to save or invest. Lack of money, fear of risk and educational gaps keep Romanians away from the investment market and make them vulnerable to financial fraud," XTB said in a