Savings account? Who saves for retirement in a savings account? Banks don't have savings accounts because they need those deposits, they have savings accounts because some people want to have savings accounts. There is not enough money in savings accounts to capitalize shit.

You won't see me putting much into crypto or DeFi until it has had a decade of history to demonstrate its viability. You won't see me putting much money into this bubble of a market either. Want to beat inflation buy things with the highest inflation rate.

Bitcoin has been trending with the stock market so it might bust when the market bubble pops.

Beware of things that appear to be too good to be true.