> Let people pick the risk they are willing to take. The (perceived) issue is that most people don't understand the actual risk, either due to marketing, or d

> Let people pick the risk they are willing to take. The (perceived) issue is that most people don't understand the actual risk, either due to marketing, or due to lack of due diligence (potentially made impossible by lack of transparency). A great example is the "interest bearing crypto accounts" that get 8% back. They're advertised as a savings account type product, but because they're not a insured back account, they're actually a security. Securities typically have big warnings like "THIS IS A SECURITY. MAY LOSE WHOLE INVESTMENT. NOT GOVERNMENT INSURED". We don't know how safe the funds are, because we don't always know how the company/smartcontract/whatever are generating those yields, and how at risk that is. Sometimes we could know the risk, and the info is just buried in hard to read smart contracts, but sometimes we can't know the risk because the company doesn't disclose.