FinTech and Digital FinTech - What's the Point of the Conversation?

FinTech started this, us on this path of digitizing money for those who have been locked out. While our financial system looks at accredited investors, institution investors,. even when they speak about retail investors, they really mean wealthy people. So now we do have this new core of consumers, retail investors who want alternative options. How can risk be part of the conversation of how we actually design products?