I guess it ultimately boils down to a question of what the real "time value of money" is.

All these great yields are expressed in unit terms, so if you have 20% more units at the end of the year, but the base asset declined 20% in value per unit you actually have a negative return.

A 20% ROI is rarely a thing, except with extremely high risk to your principal. The whole "Yeah but this is DIFFERENT, because it's CRYPTO!" argument only goes so far... it's not that different.

=^..^=

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