The banking sector is like making sausage. You wouldn’t eat sausage if you knew how it is made. You wouldn’t invest your money in centralized financial instruments likewise if you knew what is truly going on. Use fiat to transact for your daily living and nothing beyond that.
There is a funny saying in German about making sausage
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Wenn das raus kommt, was da rein kommt, kommen wir rein, dass wir nicht mehr raus kommen