you were ! - But, it's not THEIR fault. Here is the best chart I have ever seen to simplistically show the mechanics of a "Boom / bust" cycle. The credit for the originator is given on the pictuure and I go it from an article regarding S&P on Zero-Hedge.
Please don't hate "them" for taking your money, "It's what they do !" (ANd "they" will only laugh at you anyway ) - No instead, save this chart and take it away. It could just be the single most important lesson there is to learn out there.