We don’t care about money deposited in the bank. If we ask the bank for money, I believe they will certainly return my funds. However, as shown by Lehman Brothers ’ bankruptcy during the 2008 financial crisis, banks cannot guarantee 100% of depositors’ money. In South Korea, according to the Depositor Protection Act, only 100 million won (about USD 71,000) is protected, including principal and interest per person. Anything beyond that is actually at risk. In other words, money deposited in the bank is vulnerable to losing the principal. Investing means willingly accepting the risk of losing the principal while seeking profit. Whether we like it or not, we are always investing in our daily lives. Just because a risk doesn’t materialize doesn’t mean it’s gone. - Joseph’s “just my thoughts”
Architecture has developed in response to the epidemic. The city was designed to mitigate the risk of outbreaks. However, its high population density renders it susceptible to epidemics. A potential solution to this issue involves the construction of a water supply and sewage system, which safeguards individuals from waterborne infectious diseases (e.g., cholera) by effectively separating and burying water and sewage underground. Nonetheless, the advent of vaccines has facilitated the existence of megacities with populations exceeding 10 million people. Indeed, microorganisms predominantly populate the Earth. - Joseph’s “just my thoughts”