It's okay to worry, but it's part of the fiat disease.
#Bitcoin is a life of it's own at this point. And, those that want to take advantage of it will get their hearts ripped out at some point.
Sounds harsh, but Bitcoin will self correct ANY corruption over time.
Gold was doing this but Gov/fiat learned to cheat. Any Layer 2 protocol that does NOT comply with Bitcoin will be wiped out as fast as the Tulip Mania.
We all would do well to sit back, buy Bitcoin DAILY (not the ETF). Move to COLD STORAGE every few grand. HODL 10+ years but learn skills to add REAL value to others (gain energy/Bitcoin) and spend a little Bitcoin to live. Super easy process, but very hard to stick with us humans.