you work, you save, you try to be responsible. you put your money in the bank and they come at you with “nice one, here’s 2%.” meanwhile inflation is sitting there quietly doing its thing, eating away at it anyway. so in reality, you’re locking up money you already earned… just to slowly lose purchasing power. and the mad part is how it’s packaged like a reward. fixed for 12 months. limited withdrawals. bonus rate (for three months if you behave). it’s all framed like some great opportunity, when really it’s just the bare minimum dressed up with a little ribbon. that’s why people even start looking elsewhere. not because everyone wants 50% apy or to gamble their life savings. but because earning 2–3% on your own money starts to feel like a pisstake once you actually think about it for more than five seconds. and that’s the context people miss when they talk about RWA’s, tokenization, or onchain yield. it’s not about chasing crazy numbers. it’s about the bar being so low in traditional finance that anything even slightly more efficient feels revolutionary.