I think this gets to the heart of our differences. I don't know things, so I ask people. Or I take up positions which others can criticize. As part of a discussion, I learn more. If modern banking practices are germane, educate me on them.
You, I think, seem to feel that there is some threshold of knowledge that one must reach in order to talk reasonably about something. I, on the other hand, acknowledge that more information is better than less, but that doesn't give me the freedom to not act on things. I learn by both conversing and experimentation.
There is a concept called "strong opinions, weakly held" You might want to look into it.
As a side note, the internet is full of folks spouting off about things they know little about. So is life. Democracy is built on the concept of average voters voting on policies about complicated matters. Either learn to deal with these topics as part and parcel of community life or prepare to be frustrated a lot.