@Wetrix maybe I'm just cynical about it, but I don't really think financial institutions serve the interests of the people most of the time, or prevent thefts, scams and that sort of thing. Big lenders, banks and markets do things like that all the time, the financial crisis of 08 is a good example. And even of they do, I'd rather take responsibility for my own security and decisions I make and blame myself if I get scammed if the trade off is financial sovereignty.