Ironično je to da su finansijske inovacije osmišljene tako da smanje rizik na pojedinačnom ili mikro-nivou na kraju dovele do njegovog pogoršanja na makro-nivou, čime je povećan sistemski rizik.
Ironically, financial innovation that was designed to diminish risk at the individual or micro level has ended up in exacerbating it at the macro level, thus increasing systemic risk.