if you have no certification or reputation you have nothing to lose if you provide lousy advice. People discussing investments and providing unqualified advice often hide their failures and speak about their successes. There is also an issue of pumping and dumping a security (token/coin/stock.)

You Need Financial Advice

I feel these are the most important points. There are a lot of self-proclaimed experts and gurus out there who are more interested in bragging, collecting or selling you something. As skeptical as I am of traditional investors and banks, I'm a hell of a lot more skeptical of listening to random people trying to sell me stuff.