Maybe you are right not everyone perspective that all business is gambling. But as long as we don't know what happen in future, there are still risk involve. When a risk is involve, perhaps we still consider it as a gambling.
Ok, maybe you put your money in an insured bank to assure your money growth, but is that a growth of real money or just some figures? Let's take an average of 5% annually of growth if you put in an insured bank, but when you calculate on the current economic growth, your money actually still remains although they give you some interest because no matter in which country, living standard and spending increase annually. Putting money in an insured bank just to assure in future you have some money instead of growing it to more money. Just my 2 cents view.
I don't know what is insured IRA anyway.