What is the concept of a “crypto bank” that keeps wealth on-chain?

Isn't the concept of a "crypto bank" that maintains wealth on-chain fundamentally flawed? While it promises decentralization and security, can we truly trust these platforms to safeguard our assets without traditional banking oversight? Shouldn't we be cautious about relying on digital entities for our financial stability in an unpredictable market?

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What is the concept of a “crypto bank” that keeps wealth on-chain?

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