Since it is easy to partner with the existing banks, anyone who prefers to lend to them (hold bank money deposits) instead of share their risks and their rewards, has no just cause for complaint about them. If they have a deal so good it is a scandal, join them. If, on the other hand, a ride so rocky in sometimes means 50% drops in less than a year puts you off enough that you prefer CDs, don't complain that they make more money over the long haul, than the CDs do.
You are so cute I can't stand it anymore.