Yotta founder here. The issue with investments is that you risk losing money. People still need an emergency fund and that money should be in an FDIC insured account for a rainy day.
Perhaps you can clear this up? I still don't understand how Yotta bank intends to earn money. Not just to stay afloat, but also pay for the unprecedented interest rates of its savings accounts. Seems like another growth now, profit later/never venture to me. I wouldn't place my trust, let alone money (even if it's insured) in such an establishment.
I would love a solid answer as well, but you have to realize most "money" out there is credit and its effectively how our economy works, so you don't necessarily need to make real money to make real money.