Needed Yield on fiat is a toxic byproduct of fiat.
We have to detox.
Learn that yield on money is not needed and even not possible if you have a fixed amount.
The gain will be expressed in the money becoming worth more.
Yes a gain for everyone participating in the system.
It is the opposite of the fiat system that mostly privatize gains but socialized loses.
The more one thinks about it the better it gets !