What would the cracks be and why would they crack?

There is only one major crack that I foresee: profitability to pay dividends. If profitability from the market maker, lending and all other fintech services isn’t high enough to cover dividends then it would cause trust issues for all the products

IMO it’s easily safeguarded against: profitability and reserves are the key

LeoStrategy has shown that they focus intently on profitability at each step, so I find this to be a non issue