The thought of your post is pretty messy and hard to understand. But assuming that you are referring to the banks being a bad decision to trust as custodians and transfer agents, then I agree with it. Since it is the opposite of why I even got into this industry in the first place a few years ago. Now about the second thought, I do not think that the investment firms(considering they are well renowned) which are also part of the economy poses risks to the economy. On the contrary, this is a good thing for the economy since people are being given the chance to have other alternatives to earn money other than the traditional ways by these investment firms along with free explanations about how this industry works which gives way for a broader understanding on the side of investors. The only downside is that people should really be wary of their investment choices along with the firms available. But I don't think that is much of a problem since it is only natural for any type of investment regardless of what industry you are looking to invest in.