[tdeck]

> This exact decision making of "I'm going to go with this new-fangled tech startup with high interest rates" is exactly the kind of approach that gets you to risk your life savings.

This comes across as victim blaming, and I think it vastly overstates how "too good to be true" these interest rates are. Yotta's touted interest rate with their weird prizes is around 2.5% APY. Most of us were alive when this was a typical interest rate for a normal savings account, and given market growth it's not exactly unthinkable to get a 2-3% return. This isn't Bernie Madoff promising 20% annual returns.