Well you're not wrong. However I don't think it makes someone a fool if they don't want to manage their own crypto wallets. Lazy maybe, not knowledgeable more than likely. I'm not saying it's a perfect investment vehicle but it solves a problem, and products that solve problems succeed. The average person will likely never manage their own crypto keys. I wish it wasn't so, but banks, and cloud computing, and ETF's solve problems and lower the barrier to entry.
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