Do you really own the money in the bank? In 2013, during the Cyprus financial crisis, depositors' accounts had 47.5% of their funds confiscated by the bank to fill the gap; in 2023, Silicon Valley Bank collapsed, and if the Federal Reserve hadn't intervened, hundreds of thousands of depositors would have lost everything. These are not historical stories; they are vivid lessons. nMany people have saved their entire lives' worth of money, but they never considered a legal issue: the moment you deposit cash, ownership is no longer yours. The numbers in your bank account are just your "unsecured claim" against the bank — in simple terms, you are lending money to the bank, not safeguarding your assets. nWhat’s even more heartbreaking is that modern finance has introduced a mechanism called "self-rescue." If the bank is about to go bankrupt? No problem, it has the right to forcibly convert your deposits into bank shares, making you a forced shareholder. The result? You end up holding a bunch of worthless paper, watching management take huge bonuses and run away. nThis is the fatal flaw of centralized custody: your assets are no longer truly yours; they are just a line of numbers on the bank’s balance sheet. Once the bank makes poor investment decisions — such as heavily purchasing high-risk bonds — your money becomes the first sacrifice. nSo how can decentralized asset management solve this dilemma? The answer lies in smart contracts. Your funds are directly locked in on-chain contracts, with no entity able to embezzle, freeze, or transfer them arbitrarily. This contract has no legal personality, and therefore no legal basis for "self-rescue." Your crypto assets always belong to you; this ownership is protected by code, not legal promises.