How are they incompetent? My boring old bank has never lost my money, it sends out bill payments on time. Those are the main things I ask for it to do, and it has done them competently for decades.
As far as I can see, none of the fintech/web3/crypto-nonsense companies can be trusted to do those things well.
As far as I can see, none of the fintech/web3/crypto-nonsense companies can be trusted to do those things well.