[디깅노트] 증권 거래 편리함이 키운 '빚투'

The convenience of mobile trading platforms has inadvertently lowered barriers to high-risk margin trading, enabling retail investors to access leverage with minimal regulatory oversight or risk awareness. Recent market downturns have exposed the asymmetric risk structure where forced liquidations fall entirely on retail investors while brokerage firms profit from interest spreads. This systemic flaw demonstrates how accessibility without adequate safeguards can transform convenience into vulnerability, requiring urgent regulatory rebalancing between market accessibility and credit risk management.