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book/3.1 - epilogue.md

@@ -87,7 +87,7 @@ The more I learn the more I am mystified that I can pay for my groceries with re
 
 ## People have short memories
 
-I was a teenager in the aftermath of the 2008 financial crisis. The whole world went from "banks are the most legit thing ever" to "bankers are criminals and banks are a scam". Now it's not even 2 decades later and we're back to pretending that banks know what they are doing and we should trust them not to blow up the global financial system.
+I was a teenager in the aftermath of the 2008 financial crisis. The whole world went from "banks are the most legit thing ever" to "bankers are criminals and banks are a scam". Now it's not even 2 decades later and we're back to pretending that banks know what they are doing[^In 2023, a few US banks exploded due to bad risk management. Notably Signature bank and Silicon Valley bank. The underlying issues were in retrospect pretty vanilla and part and parcel of the fundamental risks of making money on net interest margins. Of course, the first headlines I saw was that crypto was breaking the US banking system (because Signature bank served a bunch of crypto companies). I guess it didn't occur to the journalists that the banks could simply be mismanaging risks on a structural basis.] and we should trust them not to blow up the global financial system.
 
 I'm not saying crypto is the answer in the slightest. My point is that the comparison isn't between a trustworthy and stable system and a shadowy ecosystem of money launderers. The comparison is between shadowy money people who wear suits and shadowy money people who wear hoodies. The biggest difference is that the hoodie people make the system transparent by default, and the suit people make it opaque by default.
 
@@ -109,14 +109,16 @@ As a general rule, all my profitable decisions came down to:
 
 All of the above means that I take winnings when things go up. I invest in new things every 6-12 months.
 
-I'll also point out that my traditional financial portfolio is larger than my crypto one. This book might give the impression I'm a crypto maximalist, but I'm not. I have a regular bank account, a regular mortgage, a regular pension scheme, and a regular (boring, indexed) investment portfolio. And my presence in the traditional finance system is much bigger than my crypto assets[^Ok fine, this depends a bit on whether the US Fed and internet trolls decided it is time for a bull market and every crypto asset goes up and down my double/triple digit percentages every day. However, it is not my intention to have my crypto portfolio be larger than my regular one. That said, I'm aware of the research on momentum and trend following. So while I take profits in bubbles, I don't jump out when the water gets warm.]
+I'll also point out that my traditional financial portfolio is larger than my crypto one. This book might give the impression I'm a crypto maximalist, but I'm not. I have a regular bank account, a regular mortgage, a regular pension scheme, and a regular (boring, indexed) investment portfolio. And my presence in the traditional finance system is much bigger than my crypto assets[^Ok fine, this depends a bit on whether the US Fed and internet trolls decided it is time for a bull market and every crypto asset goes up and down by double/triple digit percentages every day. However, it is not my intention to have my crypto portfolio be larger than my regular one. That said, I'm aware of the research on momentum and trend following. So while I take profits in bubbles, I don't jump out when the water gets warm.]
 
 ## Do you have questions or comments?
 
 Thank you for making it this far in this little book. I appreciate that you spent a large amount of your time and attention on reading my perspective, even if you don't agree with it per se. As I indicated in the opening chapters, I endeavour to keep my opinions flexible. Changing your mind is not a sign of weakness, it's a sign of growth.
 
 To that end, if you have an idea or perspective that you would like to share, feel free to reach out to me. Do keep in mind that I am usually a social media minimalist. I don't view my notifications very actively and often take a long time responding.
 
+If you have media queries, feel free to reach out. I do like doing podcasts and visiting conferences, but I try not to overload my schedule.
+
 You can find me at:
 
 - Twitter/X: @actuallymentor