Most big banks have lawsuits every year regarding money laundering and fraud and they pay a fee and never go to jail. However if you are a small business you are screwed. In perfect world you could see it that way, but that system doesn’t take into account corruption from inside the system.
Discussion
Small business with less equity capabilities or assets is best not doing money lending business . Why would small company with less money have lending money business??? While They are them self need money or liquid cash … it trigger the suspicious already .
The system always corrupt since the system
Built . It advantages certain people only , the only thing we can do is protect the investor , the people that willing invest hope for better future .
There is none literally none on crypto ecosystem that guarantee the investor get their money or assets back if the crypto company rugged them .
Community banks. Credit unions. Your local community can save up in a bank and lend to small businesses and improve the community. There are tons of reason for small businesses to be lending.
Anchorwatch insures Bitcoin. I recommend you look at it a deep further :) I can recommend you some podcasts if you want