> Institutions that add little to no value in transactions I think the key qualifier you're missing from this broad assertion is "transactions which, by and la

> Institutions that add little to no value in transactions I think the key qualifier you're missing from this broad assertion is "transactions which, by and large, go according to plan." Each of these institutions offers little value in cases where the parties involved are both fully informed and fully above-board, but each of these institutions offers critical protections in cases where one of the parties fails to uphold their end of an agreement properly.