All of these problems are solvable with ludicrous levels of complication and confusion, and the average person doesn't even realize they need to take these sorts of measures until they've irrecoverably lost everything.
Don't you think that maybe people should start becoming more educated about how our economy runs? Or what protects their assets?
Don't you think someone with millions of dollars to lose should take some responsibility and become informed about how to protect them?
The information is available to those who are interested or want to further that area of human expertise, but the collective knowledge of humanity is too great for all of us to know everything. That's why we pay (mostly) regulated experts to handle these things for us.
(2) Having a general idea of many areas in life is important for a functioning society and becoming a healthy human being.
I really dislike this narrative that we must not think for ourselves. Always delegate. Always leave it to the experts. I see the same anti-intellectual sentiment in programming communities.
- Don't write assembly, compilers are smarter than you.
- Don't think about building your own networking stack. It's too complicated.
- Don't write your own OS. Do you think you can outperform Linux? Lol
I really just think that if someone thinks an institution might disappear with their money they won't use the institution. If the alternative is too much of a hassle, or also seems like it could lead to loses then people will just not use crypto.
Unfortunately, people leave tons of money on exchanges, for long periods of time. That's the problem. That's what the majority of exchange users are doing.