Throw in creative ways to extract fees without them looking like fees and I think you've accounted for most of it.
One of the things I've learned by watching the cryptocurrency saga is that money and finance belong to the class of things you want to be unbelievably boring. Other members of this class include governments, infrastructure, and the legal system. Interesting finance is probably a scam. Interesting infrastructure includes things like ISPs that spy on you or selectively throttle traffic or Pacific Gas and Electric if you happen to live in Northern California right now. Interesting government was a leading cause of death among adults in the early 20th century.
An analogy on a personal scale to interesting finance or interesting government would be an interesting heartbeat. You really don't want to have an interesting heartbeat. It probably means you are dying or having a seizure. You want your pulse to be incredibly boring. Thump, thump, thump...
One of the things I've learned by watching the cryptocurrency saga is that money and finance belong to the class of things you want to be unbelievably boring. Other members of this class include governments, infrastructure, and the legal system. Interesting finance is probably a scam. Interesting infrastructure includes things like ISPs that spy on you or selectively throttle traffic or Pacific Gas and Electric if you happen to live in Northern California right now. Interesting government was a leading cause of death among adults in the early 20th century.
An analogy on a personal scale to interesting finance or interesting government would be an interesting heartbeat. You really don't want to have an interesting heartbeat. It probably means you are dying or having a seizure. You want your pulse to be incredibly boring. Thump, thump, thump...