Here's a habit I never thought I'd develop: I gravitate to anything online that's marked 'most popular' or 'most e-mailed.' And I hate myself a little bit every time I do.
What I think about derivatives is if every institution that owns or trades them is properly margined and marked to market, including end-users, including every institution, including sovereigns and multilateral institutions, then the system would be safe - if people were margined the way customers of investment banks are margined.