The world is changing fast. Technologies are becoming more sophisticated and accessible, and this makes life easier for people in all areas of life, and the the financial one is no exception. Financial accounting becomes more transparent, thanks to distributed data storage systems (for example, Blockchain). Money transfers occur several times faster, most banking operations can be carried out from the mobile phone interface without leaving your home. But the problem is that the technological basis in our time is changing very quickly, and the cultural superstructure does not keep up with these changes. It comes to social structure and the relationship between the different social units. At the same time, on the background of all the technological progress, the officials are still corrupt, bank employees helps launder drug cartels, and hackers are always smarter and faster than e-security employees of large and sluggish financial corporations. In such circumstances, even an impressive capital does not guarantee simple, and most importantly - secure transactions.