Whatever credibility Crypto had it is steadily decreasing as time and time again hard earned cash is lost by naive investors who are easy targets for they Crypto crooks. If you need any convincing about the validity of crypto at the moment look at the activities of some of its greatest advocates, TWTR is full of "buy the dip, change your life, next bull market, etf's and time to go long, these are they exact same people who are shorting the sh-t out of it while you are brainwashed into trading on high margain. Banks are far from innocent but at least you know who is screwing you. Make your own mind up about what and which institutions you should trust.