It is probably because we don't understand finance, economics or their history. There is an obligatory xkcd somewhere but I'm too lazy to find it. Software people occasionally find great solutions for existing problems pre-tech X. As experts in tech X they tend to trivialize existing domain knowledge because obviously X has disrupted all that.

Edit: I got less lazy. https://m.xkcd.com/793/

I never claimed otherwise, simply that a massive disclosure of risk is going to favour the instituitions that the disclosure of risk was designed for.

> Crypto isn't living up to it's PR an I don't really understand why people can't see its flaws.

Because people are trying to get rich off of it. I believe a majority know it’s a horrible “currency”, they just want money.