كيف نستخدم المشتقات في الحياة الحقيقية؟

Could you elaborate on how derivatives are utilized in our daily lives? I'm particularly interested in understanding their practical applications and the ways they assist us in managing risks and making informed financial decisions. Could you provide some examples or scenarios where derivatives play a crucial role? Additionally, how do derivatives contribute to the overall efficiency and stability of the financial system? I'm keen to learn more about the role of derivatives in hedging, speculation, and other financial activities.