I think about it this way: if I get a 20 dollar paper note let's say in 1810 and believe it to represent 20 ounces of silver (simplified to make the point) but upon visiting my bank branch I only find 5 ounces - the bank is insolvent and the paper notes immediately near worthless. In the crypto world 5 filecoin will always be 5 filecoin- and I can see (and trade in and out of them) on a 24/7 basis. That's quite a different trust level to me. In fact I can 'shapeshift' them into hundreds of other coins that I deem more relevant or worthy as a value store at a moments notice. Does not that sound like a superior system, even when granted, it's not perfect (as long as we are dealing with imperfect knowledge of the future and human emotions)