In this case, if Mr. Li's investment loses money, it shows that his investment strategy is improper, or the performance of the fund he invested in is not good, resulting in a high return on investment. This does not mean that the money invested has been "earned away" by others, but that the poor performance of the invested funds during the operation period has led to the loss of investors' principal and income.
Investing in financial management has risks and benefits. The loss of bank financing does not mean that it is "earned away" by the bank, but because the invested products do not perform well during the operation period, resulting in the loss of investors' principal and income.
Bank wealth management products also have risks, so investors should carefully evaluate the risks when choosing and understand the benefits and risk characteristics of the products. Rational allocation of assets and diversification of investment risks can effectively reduce investment risks.