That Celsius was able to be a bank, but without any of the actual rules and limitations that were implemented to get out of the Great Depression is baffling. Black Tuesday, the day the US stock market tanked, saw people flocking from Wall Street to their banks, seeking money. The banks didn't have it... because at that time, every bank was INVESTING in the stock market with their clients money.<br><br>Celsius might be worse. Not having money is one thing, taking everything and running is fucking horrible. Fuck Celsius.