[imtringued]

>At 8.6% APY, would you say you believe you have a sub-8.6% chance of the funds disappearing in a given year?

Those 8.6% APY are only available for a month at most. The APY changes all the time as more people deposit their money.

[latchkey]

Not true at all. 8.6 has been stable for over a year. It is also very very low compared with what you can get in DeFi (which is arguably higher risk).