With so much money at stake (and potentially large concentrations of it) why isn't there much of a governance model for Bitcoin? I see many articles touting th

With so much money at stake (and potentially large concentrations of it) why isn't there much of a governance model for Bitcoin? I see many articles touting the so called democratic governance model of Bitcoin and if that is indeed the model then what other "popular delusions and madness of crowds" will my money be subject to in the future?