Thank you for this. I'd also like to add a point somebody else made - contracts being replaced by code might sound cool in a vague "wow future" way, but if you

Thank you for this. I'd also like to add a point somebody else made - contracts being replaced by code might sound cool in a vague "wow future" way, but if you have enough experience with code, it's actually terrifying. Code can almost always be exploited and broken in a way actual contracts can't. Giant corporations spend tons of money on various security features, only for them to be broken by some 15 year old that wants to play pirated games on his console. Why would I possibly want to add that risk to my financial life?