I feel like this is a trend, and it comes in cycles. People do business directly, end up fucking each other over, regulation is desired. Such regulation is moat

I feel like this is a trend, and it comes in cycles. People do business directly, end up fucking each other over, regulation is desired. Such regulation is moat, it benefits larger players, so business concentrates. While this enables things like standards, it also becomes soulless and expensive, and people began to feel that business needs to be more direct. So, with technology, a new alternative is unlocked, people deal with each other again, discover the same outcomes. A case of history repeating itself, well, at least if you look from far enough. Same happened with crypto, I feel, vs banks and stocks. The latter is regulated and saturated, and crypto is a wild west. So every scam is new again.