I know options exist, but better, more inclusive options can be possible. Take for example messaging – Jeff Bezos uses (used?) WhatsApp, I use it, you probably

I know options exist, but better, more inclusive options can be possible. Take for example messaging – Jeff Bezos uses (used?) WhatsApp, I use it, you probably use it and my relatives use it as well. No matter what the geography or your social/financial standing, you probably have access to a world-class messaging product easily. The same is true for a lot of things: Wikipedia, Linux, Bicycles. Why should the same not be true for wealth protection and growth? If it is possible to come up with a such a system, shouldn't we at least give it a shot?