> Does the existence of a seat-belt suppress the "natural heightened attention" (whatever this is) of the driver? No. If there is a crash the driver will still

> Does the existence of a seat-belt suppress the "natural heightened attention" (whatever this is) of the driver? No. If there is a crash the driver will still be involved in the crash. Seatbelts are a risk-reduction technique, FDIC is risk transfer. > I have no insight to the institutions I give my money to... The good news is you're pretty normal. However the observation is you're enabling a bunch of rather untrustworthy people who don't care about your interests and it is pretty easy to imagine that story ending worse than if you were in a position where you either demanded some insight or didn't give them money.