

Another thing they may have in mind is ATX PSUs. The pinouts on those for the same physical plug vary not only by maker and model but sometimes even by year. So if you get an aftermarket ATX-to-SATA cable that fits just fine in the SATA plug on your ATX PSU, it may put 12v on the 5v and fry your drives or mobo when you plug it in even if it’s from the same brand.
Don’t ask me why there is a voltmeter on my desk.

The expected payout is negative so no, not similar to investing. It becomes the opposite, pretty much.