If its centralised there will always be someone to take the blame but that's not the case with decentralised projects
They may take the blame (or not), but you still won't get your money back.
OP is one of the examples of what the government achieves by zombifying and turning people into an obedient herd. Whatever happens, the government wants to completely control the people, giving them false promises of stability and, at the same time, fearing that if they do not obey, they will face constant deception and punishment. It is no wonder that people who receive information from social networks saturated with agitation and advertising stop developing and forget about the word "freedom," since it is convenient for them not to take any responsibility but to be, as it seems to them, obedient citizens, for whom the state always and everywhere decides.
From here, we see frequent conclusions like "I have nothing to hide."