Access to some basic understanding of financials and risk is not out of reach of many businesses and "NHW individuals" that would be inclined to deposit that mu

Access to some basic understanding of financials and risk is not out of reach of many businesses and "NHW individuals" that would be inclined to deposit that much. Your assertion is false. You would do well to be quite certain of what you're talking before you try being snarky. And I am not setting any bar. That is the bar which has been set by the reality of things as they are. Don't complain to me if you don't like it.