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Why do individual investors in futures market not allow physical delivery?
Ordinary natural persons are not allowed to enter the delivery month.

Generally, the liquidation is compulsory before the delivery month.

General delivery is legal person delivery, but some varieties can be delivered by individuals.

If you hold a contract and enter the delivery period, you must deliver it. Generally, when you deliver the goods, your deposit has risen to 30%. If you still don't deliver the goods, 30% will be liquidated damages. Whether there are other fees depends on the detailed regulations of the exchange.