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Many will still prefer lower risk and won't touch defi (or even short term trading) in their wildest dreams/nightmares. For them, HBD in savings remains the best option. It may be simpler to understand too, for some.
On the same principle, the majority of people keep money in the bank for interest, instead of using secondary markets to trade bonds. Maybe that trend with keeping money in the bank will finally change...
Right, better to play it safe or just keep it simple. I'm definitely leaning into this category but I can't be fully into it. It's kind of not that practical when you're playing an offensive game, financially. Perhaps, a split of focus between them could be a route to take.
I think it could change, in part, when people understand more how secondary markets work and also interest from just keeping money in the bank doesn't help much on beating inflation.