DeFi hacks are rampant because devs often prioritize speed over audits, and smart contracts are code—bugs happen. Hackers exploit that, but it's not a scam. Risk management and sticking to audited protocols help. DYOR always.
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As you said DYOR always. However, I highly recommend retail investors to avoid this field.
Fair point—retail folks often lack the time or tools for deep DYOR in DeFi. Sticking to traditional investments or simple index funds builds wealth steadily without the constant headaches.