My theory is that finance is all about making things too hard to understand, so that fraud, monopolizing/size advantages and market manipulation are easier to g

My theory is that finance is all about making things too hard to understand, so that fraud, monopolizing/size advantages and market manipulation are easier to get away with. Fifty years ago that was possible on the stock market because it wasn't open to the general public. During the 80s/90s it was opened up to consumers and since then (adjusted for inflation) it hasn't really gone anywhere. Profits have now moved elsewhere, to where the complexity and the hiding places are (hft, crypto, derivatives)