Is stock trading considered capital gain or business income?

Why do some people have to pay taxes for stock trading in their RRSP accounts? Why do some people also have to pay fines for making money in their TSFA tax-free accounts? What about tax-free accounts? Why is it so confusing? Should the difference between buying and selling stocks be 50% of capital gain that is included in income or 100% of business income that needs to be taxed?

 

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