Article is essentially paywalled, I'm not in finance and I'm not well-informed (and by my own admission I don't go out of my way to be well-informed), so forgiv

Article is essentially paywalled, I'm not in finance and I'm not well-informed (and by my own admission I don't go out of my way to be well-informed), so forgive me if these questions are covered or stupid, but my questions when reading the headline are: 1. Are these subprime loans packaged in CDOs or any other kind of highly-rated derivative instruments? 2. If so, how exposed are the banks this time? What are current leverage limits? 3. Are there swaps on these instruments, and if so, are these positions being taken by the banks that are selling the CDOs? 4. If so, how exposed are the insurance firms? In short, are the conditions in place for a similar event to 07/08? Has any meaningful regulation been introduced that extends beyond the mortgage market? Looking beyond conventional lending, what is the scale of cryptocurrency lending? As I understand it, there's not much in the way of regulation when it comes to cryptocurrency, and I feel like that's probably a recipe for disaster somewhere in the future.