That's The fundamental issue here is that there is no such thing as bulletproof risk-free yield. There never has been there never will be it's not a thing it literally will always be risk involved. If a guy came up to you in the alleyway and told you Hey give me 200000 and I'll give you 300000 in 10 years, Would you do that?

Absolutely no you wouldn't because it's some fucking random person you don't know so what part of an individual who creates some slick website or has some government-backed FDIC insurance nonsense makes it any different when they are the ones that are doing it