

I’ll have to disagree with you on that one. In my opinion for a first entrance in the franchise this is the right call.
There is a balance that’s needed between movies within a shared universe being interconnected and having their own style and being seperat to some degree. And I think part of why the earlier MCU worked and now (at least to me) it doesn’t, is partially down to them not achieving this balance.
Make the first movie of a particular part unique like e.g. with the first gotg with maybe some smaller references and gradually build up the overlaps. I think the MCU until endgame did it really well, introducing new strands one at a time and interweaving them slowly with the occasional huge mashup in the avenger movies.
But ever since then they’ve just kept doubling down on everything being interconnected and even expanded it to not just movies, but TV shows. This way you don’t really identify to the same degree with the individual characters and it also starts to feel like more of a burden to in a way have to keep up with everything. Which eventually just gets too much and at least for me just lead to just kind of drop out of the whole thing.
Another aspect of why it often is better is that it allows them to avoid paying taxes on sales and already accumulated profits, which is desirable because of the compound interest effect.
I think if using something as collateral for a loan would create a taxable event and eliminate this advantage, then they would care a lot less about the arbitrage play between interest rates and average long term stock returns.