Leverage and account type

As lererage is the biggest killer off of so many accounts, spread betting accounts seem to operate differently but you can still have leverages anywhere between 1:1 and 1 : 400 You are never advised to take a as low a leverage as possible if you are inexperienced. No one likes to see minuses yet they are often unable to even set a stop loss thinking the market will reverse yet minuses just get bigger and bigger.
So as a beginner the solution for not being able phsycologically to set a stop loss, would be to set a low leverage before you even start trading if useing a live account say 1 : 20

What do you all feel.

I think to do what you feel and just start with what you can afford