There is a clear causation and correlation between belts and accidents. As for regulation and crises, the current one shows that it's quite unclear.

What's happening, however is that, since the Patriot act, financial freedoms and the right to privacy became a meme. The state and the banking sector has more and more to say about how you spend your money and earn it. Fact is that a totalitarian regime would have to vote very few laws to enforce itself.

Crypto is a backstop against this.