# Learn How To Defi Part 5

**Published by:** [xuanling11](https://paragraph.com/@xuanling11/)
**Published on:** 2022-02-22
**URL:** https://paragraph.com/@xuanling11/learn-how-to-defi-part-5

## Content

Photo by Lanju Fotografie on UnsplashHere is part 5 of the Defi guide and you can reference the detail here. TL;DR Commodity Futures Commodity Futures are rigged Insurance Insurance is rigged Housing Market Housing Market is rigged Crypto vs. Shadow Banks Commodity Futures The commodity price is stable to the general public but it fluctuates daily due to future markets with buying and selling contracts of such commodities (source). Commodity Futures are rigged Big banks control commodities particularly silver and gold and they can possibly suppress prices to create FOMO buying and selling (source). JP Morgan settles spoofing lawsuit (source) Price fixing in the commodity market is very common. For example in the oil market: Look at the oil market (source), OPEC monopoly has always been an influential factor in the oil price market (source) and the price of oil will continue increasing to unsustainable levels with the possible individual countries to supply their own oil (source). There is even a water index! Yet we still profiting from a crisis like water shortage. Insurance It is a way to hedge risk by providing investment institutions a stream of cash with conditions that once risk occurred and to meet with those contractual conditions in order for companies to cover their loss, not your loss (source). Insurance is rigged Insurance companies use your credit score against you. Housing Market House prices increase with inflation or at least it increases with the trend. Housing Market is rigged The price has been rigged because of the so-called supply shortage. Many are calling housing bubble (source). But it is really that Wall Street is building up houses with boomers! Another financial crisis may just be brewing (source). Crypto vs. Shadow Banks So why crypto is better than shadow banks? The core difference is crypto is particularly more decentralized to remove the single point of failure while shadow banks are controlling with heavily relying on a single point of concentration. The 51% attack has not yet happened in crypto yet. Stay tuned for the next part of the Defi Guide!

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