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RE: I find your lack of understanding disturbing...
agreed. However If you're gona invest significant amounts of money (relative to your net worth), spending at least 30 minute on informing yourself seems like a bare minimum. I actually made an article 2 weeks ago about learning about cryptos and by far the best introductory ressource I found was this 26 min video:
However, even there, if functions of modern-day cryptography aren't familiar to you, it'll take 2-3 viewings to really get it