I have two questions:

1. Are there any critiques you can provide regarding common advice given on r/personalfinance r/povertyfinance, r/financialindependence, r/fatFIRE, r/leanfire r/r//FinancialPlanning, r/Fire, etc? A more pointed question would be what do you think of this chart: https://i.imgur.com/lSoUQr2.png
2. Have you had experience dealing with notable fraud within the financial industry.? Banking seems to be a common industry for fraud according to SEON: https://seon.io/resources/industry-fraud-index/