<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>koheripbal</author><text>What most people don&amp;#x27;t understand about finance is that there are fundamental rules that you really cannot break without consequences.&lt;p&gt;Anyone who has studied quantitative finance knows that it is a HARD science.  I worked with a Nobel prize winner in economics, and the math dominated.  There was no politics, no opinions, no ethics involved.  It really is a science.&lt;p&gt;Most social media characterize finance as some ethical vice or organized political power structure - and those people simply don&amp;#x27;t understand finance.&lt;p&gt;Talking to people who are looking to just tear down modern finance are no different than climate change deniers, antivax, or flat earthers... and yes, they even exist in crypto (and on HN).</text><parent_chain><item><author>jmyeet</author><text>What&amp;#x27;s funny about this is that I can recall discussions here and elsewhere from only a few months ago questioning the &amp;quot;guaranteed&amp;quot; super-high returns. I forget who said this but someone awhile ago said in finance said that if someone is promising you consistent above-market returns it&amp;#x27;s either a scam or there is unknown or undisclosed risk.&lt;p&gt;And the Crypto Andys were all like &amp;quot;you just don&amp;#x27;t understand DeFi!&amp;quot; to which the retort is &amp;quot;No, &lt;i&gt;you&lt;/i&gt; just don&amp;#x27;t understand finance&amp;quot;.&lt;p&gt;Finance is the way it is for many reasons. There are thousands of years of lessons that have made the system the way it is. I get the innovator mentality of sweeping away the old but there seems to be a fine line between innovation and ignorance.&lt;p&gt;I&amp;#x27;m just sitting on the sidelines watching people relearn all the lessons of finance the hard way, some because they think they understand finance because because they understand merkle trees and consensus protocols but really most just want to get rich quick.</text></item></parent_chain></comment><story><title>We’re discontinuing the Stablegains service</title><url>https://blog.stablegains.com/were-discontinuing-the-stablegains-service-please-withdraw-your-remaining-funds-405e6bfb89c4</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>reflexco</author><text>The 20% APY provided by Anchor was way above the average yields for safe DeFi lending. Which indicated that even among crypto users, this was considered a &lt;i&gt;degen&lt;/i&gt; play!&lt;p&gt;The whole Terra saga was a typical example of speculative bubble. Everyone knew it was risky, but its sheer size and the caliber of people endorsing it (&lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;twitter.com&amp;#x2F;novogratz&amp;#x2F;status&amp;#x2F;1478535972560195585&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;twitter.com&amp;#x2F;novogratz&amp;#x2F;status&amp;#x2F;1478535972560195585&lt;/a&gt;) was providing an aura of safety. Too big to fail.&lt;p&gt;It&amp;#x27;s also similar to the stock market as a whole before it started correcting. Everyone knew valuations were detached from every fundamental except liquidity, yet everyone went along thinking the music just had to keep going.</text><parent_chain><item><author>jmyeet</author><text>What&amp;#x27;s funny about this is that I can recall discussions here and elsewhere from only a few months ago questioning the &amp;quot;guaranteed&amp;quot; super-high returns. I forget who said this but someone awhile ago said in finance said that if someone is promising you consistent above-market returns it&amp;#x27;s either a scam or there is unknown or undisclosed risk.&lt;p&gt;And the Crypto Andys were all like &amp;quot;you just don&amp;#x27;t understand DeFi!&amp;quot; to which the retort is &amp;quot;No, &lt;i&gt;you&lt;/i&gt; just don&amp;#x27;t understand finance&amp;quot;.&lt;p&gt;Finance is the way it is for many reasons. There are thousands of years of lessons that have made the system the way it is. I get the innovator mentality of sweeping away the old but there seems to be a fine line between innovation and ignorance.&lt;p&gt;I&amp;#x27;m just sitting on the sidelines watching people relearn all the lessons of finance the hard way, some because they think they understand finance because because they understand merkle trees and consensus protocols but really most just want to get rich quick.</text></item></parent_chain></comment><story><title>We’re discontinuing the Stablegains service</title><url>https://blog.stablegains.com/were-discontinuing-the-stablegains-service-please-withdraw-your-remaining-funds-405e6bfb89c4</url></story>