“When you store your money with an institution, they will use that money however they want”

Literally that point alone is just categorically not true. There are very rules about what banks can use deposits for, and any publicly offered investment product by an asset manager has legally binding prospectus and investment disclosures (callled an ADV) which details the objective of the fund, what they’re allowed to invest in, the risk they can take, and what they’re not allowed to invest in. Again, this isn’t a debatable point.

Seriously, just stop, you’re embarrassing yourself. If pointing out that you have a childlike view of finance is pedantic, then I guess I’m guilty as charged!