You have to be accountable for what you have the model do on your behalf. I hear what you're saying, but there are also issues with the hedge fund accountability model. There are certainly swaths of fund managers who are only there because they got lucky or had the right pedigree, and more that are better traders but never became a fund manager because they got unlucky or had other passions.

An individual investor can invest with their risk appetite on their time horizon and not be subject to Citadel's "5% draw down in a quarter and you're fired" culture which can be toxic to returns over time.