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A big misconception about DeFi (decentralized finance) is that it’s grounded in the lawless Wild West and can operate outside of a regulatory perimeter. The truth is, however, that when new technologies reach critical mass, regulations can serve as guardrails to manage the risks. 
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The idea that blockchain, defi and crypto all refer to the same thing is a common misconception. While these terms are tightly interconnected, they’re far from synonymous.
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Having a bank and an online broker isn’t optional in 2022; they are required to participate in the modern world. So, where’s your choice in all this? There isn’t much, really.
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