[ImaCake]

My inability to understand these financial instruments without hours of study is why I never put money into anything other than a couple of major currencies for funsies. Vanguard ETFs, mortgages, and bank accounts make sense. So I keep serious money in those.

[dehrmann]

> bank accounts

I'd argue it's hard to understand the higher-order effects of fractional reserve banking. The accounts are at least backed by a government and have over 100 years of lessons baked into them, so that's something.