mono-stereo True currently, but they don’t want to be displaced by better technology hence they are ramping up their crypto knowledge rather quickly right now.
Fundamentally their technology is legacy, the whole swift banking system is obsolete, governments who embrace the technology will prosper.
The UK is looking at a form of government backed crypto like China, the US and other countries, in fact Sweden are on course for a 2025 release. Not sure how they will continue to swindle the general population but no doubt they are beavering away trying to figure it out.
Essentially you have 3 major investments, fiat based, commodities and crypto assets. To invest only in one is risky which everyone understands here.