Robinhood Markets (NASDAQ: HOOD) caught lightning in a bottle during 2020 and 2021, when the pandemic placed the U.S. population under lockdowns and put federal stimulus money into people's pockets. Its easy-to-use investment platform resonated with Gen Z, which was entering the stock market for the first time with an appetite for short-term gains. While that's a cool feature, here's why Robinhood needs to do much more to persuade me to buy its stock.