Last week, I noted why crowdfunding sites like Kickstarter aren’t cure-alls. Not three days later, Kickstarter announces a policy change. Donors will be told more clearly that the projects under discussion are ideas, not actual products (yet). There’s a very real probability of losing your money, especially in the form of delays in development and delivery (thus costing you interest, opportunity, etc.). Since Kickstarter tends to attract some futuristic ideas, it’s foolish to think they’re risks in the same class as mutual funds or mini-malls.