And who's to say crypto doesn't have 100 points of failure or insider founders that built the system before it went public? Just remember the hacking, scammy exchanges, founders selling off failing coins and the early whales who mined tons of BTC before it became big and use it to manipulate the price. The difference is that fiat currencies are accountable, and thereby more trustworthy than crypto which has no accountability and nowhere to go to if you want to recover your losses.