That is your question. The OP and linked article have nothin' to do with that. No opinion either way on what you bring up. Not my field. Is it yours? Do you work in compliance, SEC, financial law firm, etc.
-I thought it had some relevance any way lets agree to disagree - No I am not in compliance but I have been on a creditor's committee when a white label of a major European OTC FX broker went belly up and swindled people of 47 M, finally after 2 years we managed to get 62 cents out of a dollar back, ( Being OTC and not equity broker there was no consumer protection in the country a AAA rated OECD country that too! so we went after the White label master and their accountants who were supposed to keep it straight ) so my antennas are up just as a common consumer. Market risk is Market risk I get it . but the extra potential for skulduggery in thinly regulated financial products / markets should be exposed and prevented IMO. - Retail FX - Binary Options - ICOs - Robo advisers ( oh ya an app will show you how to make millions etc) I am not against technology but people throw caution to the wind when words like Fintech/ millennial/ new tech etc are dangled in front of them!