Things get weird in an sats denominated world.
I’m only pointing that out because there’s a big psychological difference between having 2 million in a stock account and always scraping of 5% a year while “preserving” the 2 million, versus having 200,000,000 sats and seeing your net worth go down 5% per year (even if it goes up in dollar terms)
There is no way to scam in Bitcoin. If you want to buy things with Bitcoin savings, you have to spend Bitcoin. No yield. This is a good thing, but it’s an entirely different reality.