Super interesting and over my head but to oversimplif: automation and old financial “tools” (mortgages, index funds) good but (excessively?) “innovative financi

Super interesting and over my head but to oversimplif: automation and old financial “tools” (mortgages, index funds) good but (excessively?) “innovative financial instruments” is a bridge too far. Still hard for people not deep in it — me — to see clearly that crypto doesn’t contain the seeds of a better index fund or a cheaper mortgage.