Determine if the following statements are true or false. You will receive the full mark for writing down $T$ for true and $F$ for false and answering them correctly. However, I would like you more if you explain why you chose that answer. Each question carries $3$ points.

$2$

The central bank digital currency is an example of a cryptocurrency.

Among preferred stocks and common stocks, the investor should earn a higher return from common stocks because common stocks are riskier.

All financial intermediaries are banks.

Firms A and B operate within the same industry. After calculating their debt ratios, you find that firm A has a debt ratio of $0\mathrm{.}59,$ whereas firm B$\text{'}$s debt ratio is $0\mathrm{.}73.$ From 'this, you infer that firm A carries greater risk compared to firm B$.$