Part of the reason the 2008 crises happened was because consumers signed up for loans they shouldn't have (Dumb Money). So to avoid another disaster maybe we

Part of the reason the 2008 crises happened was because consumers signed up for loans they shouldn't have (Dumb Money). So to avoid another disaster maybe we should also make it more difficult for that same type of Dumb Money to go into crypto. In 2008 the dumb money was told by their Realtor and licensed mortgage broker that they could afford the mortgage. Instead of thinking for themselves these people just assumed that the government wouldn't allow these mortgages to happen if they were a bad idea. Maybe it isn't good to have stock brokers pitching ETFs that appear to be legit investments, to people who don't understand anything about crypto.