See the two most popular sites that cover current affairs in patents - patentlyo and ipwatchdog. A law firm has a blog Federal Circuit IP Blog that covers the Federal Circuit, the court that handles all patent case appeals.
There are many many patents with the term "value-at-risk" in the tile or body. From google patents -
The oldest one
System and method for determination of incremental value at risk for
securities … EP US JP AU CA US5819237A Mark B. Garman Financial
Engineering Associates, Inc. filed 1996-02-13
The most recent
US10277525B2 Method and apparatus ...
Simply stated, there is no way to protect your idea other than keeping it a secret. Even then, if someone else discovers the invention independently, they can file for a patent and if they do so before you and it gets granted, they will own the invention. You can file a provisional patent application for a low cost which will give you a year to raise funds ...
You can keep the idea/concept/invention confidential until you have enough money to file a patent.
People with no previous background who write and file their own patents do not often end up with the protection they desired but it is possible for you to make a serious study of patent law and patent office procedures. I recommend David Pressman's Patent It ...