If you think your lawyer doesn't have any idea of the FinTech laws, then you should probably change your lawyer. If you can't even afford a proper lawyer right now, then you have nothing to worry about.

If you aren't doing anything illegal and you are not mixing a significant amount of money, no one would bother you. The man-hours it takes to compile the evidence to prosecute a person is not worth the time, don't worry about it. That is unless you are doing something illegal and you definitely have things to worry about then.